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 $0. The ongoing APR is 16.65% - 18.00%. Approval typically requires a credit score of 650-700 or higher. Signup bonus: 20,000 bonus points by spending $2,000 within 90 days. Rewards: 1X Points for Every Dollar Spent. Minimum time in business: 24 months. 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..