The Navy Federal More Rewards American Express is a personal credit card from Navy Federal More Rewards American Express. Application typically pulls a hard report from Experian. The annual fee is No annual fee. The ongoing APR is Variable APR between 14.15% - 18.00%. Approval typically requires a credit score of Average to Excellent Credit or higher. Signup bonus: 20,000 points when you spend $2,000 within 90 days of account opening. Rewards: 3X points at restaurants and on food delivery, 3X points at supermarkets, 3X points on gas and transit, 1X points on everything else. Cash back: up to 2% cash back on every purchase. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: American Express application limits: 1-in-5 (max 1 personal card approval per 5-day window) AND 2-in-90 (max 2 cards approved within any rolling 90-day period). Sign-up bonuses are once-per-lifetime per card product family. Charge cards (Green/Gold/Platinum) generally don't count toward credit-card velocity rules..