Navy Federal More Rewards American Express Card

None as an insurance benefit. The Emergency Assistance program (via AXA Assistance, 1-866-643-6873, worldwide collect 312-935-9241, 24/7/365) provides referral-only "Emergency Transportation Assistance" — helping arrange transportation home or to the nearest medical facility in an emergency — but all actual medical, legal, transportation, and cash-advance costs are the cardholder's responsibility. There is no evacuation insurance payout, only a referral/coordination service.

Guarantees product satisfaction on designated items bought entirely with the covered card: if a merchant refuses to accept an eligible return within ninety (90) days of purchase, AXA Assistance will refund the full purchase price, up to $300 per item, excluding shipping/handling, capped at $1,000 annually per Card account. The cardholder must call 1-866-643-6873 within 90 days of purchase to notify AXA Assistance, then submit the original store receipt and requested documentation within 30 days, and ship the item within 30 days of approval at the cardholder's own shipping expense. Excludes items with a manufacturer's return policy at least as generous, jewelry, watches, cellular phones, tickets, and consumable/perishable items.

Branded "Retail Protection": covers items bought entirely with the covered card against accidental damage or theft for ninety (90) days from the date of purchase, including gifts. Coverage is secondary to any other applicable insurance and is limited to the lesser of the item's actual cost or $1,000 per loss, capped at $50,000 total per Cardholder account per rolling 12-month period. Jewelry and fine art claims are limited to the purchase price on the card statement regardless of appreciated value. Claims must be reported within 60 days of the loss (call 1-866-918-4613) with documentation submitted within 180 days. Excludes items left unattended in plain sight, items stolen without a police report, normal wear and tear, motorized vehicles, and cash/negotiable instruments.

Extended Warranty doubles the original manufacturer's (or U.S. store brand) warranty by up to twelve (12) additional months on items purchased entirely with the covered card, applicable only where the original warranty is twelve (12) months or less. For products with multiple warranty components (e.g., an appliance with separate parts/labor/compressor warranties), each component is extended up to 12 months. If an optional extended warranty/service contract of 12 months or less was also purchased, coverage extends up to an additional 12 months after both the manufacturer's warranty and that service contract expire. Maximum benefit for repair or replacement is capped at the actual amount charged on the card or $10,000, whichever is less. Claims must be reported within 60 days of the failure (call 1-866-918-4613), with documentation submitted within 180 days. Excludes used/antique items, motorized vehicles, real estate, software, and media.

Per Navy Federal's official product page, cardholders earn 3 points per $1 of net purchases at restaurants, food delivery, supermarkets, gas, and transit, and 1 point per $1 on all other net purchases. As with the Visa cashRewards/GO REWARDS products, cash advances, balance transfers, gambling, and fees do not earn points. Rewards do not expire or cap while the account remains open.

20,000 points after spending $2,000 within 90 days of account opening — described by Navy Federal as "a $200 value." Points must post within 8 weeks after the 90-day spend window closes. The offer is time-limited to a stated application window (recently 7/1/26–1/3/27); confirm current terms at account opening.

None as a cash reimbursement benefit. The Emergency Assistance program includes "Luggage Assistance" — AXA Assistance will help locate lost luggage and provide the cardholder regular status updates — but this is a locator/referral service only, with no insurance payout for lost or stolen baggage contents.

North America Car Rental Loss & Damage Insurance reimburses, on an excess (secondary) basis, damage to or loss of a rented vehicle when the entire rental fee is charged to the card and the rental company's own collision/loss damage coverage is declined at the time of rental. Covers rentals in the United States, Canada, and Puerto Rico only, for a maximum coverage period of thirty-one (31) consecutive days per rental, with the Company's liability capped at $50,000 per rental (reduced by any other valid, collectible insurance). Excludes trucks, RVs, campers, minibuses, limited-edition/high-value vehicles (replacement value over $50,000), and antique vehicles (25+ years old). Claims require notice within 45 days and are administered by Broadspire, a Crawford Company (1-855-351-6575).