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Navy Federal Credit Union cashRewards Credit Card vs More Rewards American Express Card

Both are Navy Federal Credit Union cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. cashRewards Credit Card 1.5% 1.5% base rate
  2. More Rewards American Express Card 1.0% 1x base rate

Dining

  1. More Rewards American Express Card 3.0% 3x
  2. cashRewards Credit Card 1.5% 1.5% base rate

Groceries

  1. More Rewards American Express Card 3.0% 3x
  2. cashRewards Credit Card 1.5% 1.5% base rate

Gas

  1. More Rewards American Express Card 3.0% 3x
  2. cashRewards Credit Card 1.5% 1.5% base rate

Ground transportation

  1. More Rewards American Express Card 3.0% 3x
  2. cashRewards Credit Card 1.5% 1.5% base rate

What the numbers are doing

Where they differ: cashRewards Credit Card takes everything else; More Rewards American Express Card takes dining, groceries, gas and ground transportation.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elsecashRewards Credit Card1.5%
DiningMore Rewards American Express Card3.0%
GroceriesMore Rewards American Express Card3.0%
GasMore Rewards American Express Card3.0%
Ground transportationMore Rewards American Express Card3.0%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. cashRewards Credit Card — 1.5%
  2. More Rewards American Express Card — 1.0%

Dining

  1. More Rewards American Express Card — 3.0%
  2. cashRewards Credit Card — 1.5%

Groceries

  1. More Rewards American Express Card — 3.0%
  2. cashRewards Credit Card — 1.5%

Gas

  1. More Rewards American Express Card — 3.0%
  2. cashRewards Credit Card — 1.5%

Ground transportation

  1. More Rewards American Express Card — 3.0%
  2. cashRewards Credit Card — 1.5%
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