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Navy Federal Credit Union Visa Signature Flagship Rewards 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. Visa Signature Flagship Rewards 2.0% 2x base rate
  2. More Rewards American Express Card 1.0% 1x base rate

Dining

  1. More Rewards American Express Card 3.0% 3x
  2. Visa Signature Flagship Rewards 2.0% 2x base rate

Groceries

  1. More Rewards American Express Card 3.0% 3x
  2. Visa Signature Flagship Rewards 2.0% 2x base rate

Gas

  1. More Rewards American Express Card 3.0% 3x
  2. Visa Signature Flagship Rewards 2.0% 2x base rate

Travel

  1. Visa Signature Flagship Rewards 3.0% 3x
  2. More Rewards American Express Card 1.0% 1x base rate

Ground transportation

  1. More Rewards American Express Card 3.0% 3x
  2. Visa Signature Flagship Rewards 2.0% 2x base rate

What the numbers are doing

The table is earn rate only — annual fees are not netted out of it. These cards charge Visa Signature Flagship Rewards $49 and More Rewards American Express Card $0 a year, so a thin lead in one category may not cover the difference.

Where they differ: Visa Signature Flagship Rewards takes everything else and travel; More Rewards American Express Card takes dining, groceries, gas and ground transportation.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseVisa Signature Flagship Rewards2.0%
DiningMore Rewards American Express Card3.0%
GroceriesMore Rewards American Express Card3.0%
GasMore Rewards American Express Card3.0%
TravelVisa Signature Flagship Rewards3.0%
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. Visa Signature Flagship Rewards — 2.0%
  2. More Rewards American Express Card — 1.0%

Dining

  1. More Rewards American Express Card — 3.0%
  2. Visa Signature Flagship Rewards — 2.0%

Groceries

  1. More Rewards American Express Card — 3.0%
  2. Visa Signature Flagship Rewards — 2.0%

Gas

  1. More Rewards American Express Card — 3.0%
  2. Visa Signature Flagship Rewards — 2.0%

Travel

  1. Visa Signature Flagship Rewards — 3.0%
  2. More Rewards American Express Card — 1.0%

Ground transportation

  1. More Rewards American Express Card — 3.0%
  2. Visa Signature Flagship Rewards — 2.0%
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