American Express® Gold Card vs Navy Federal More Rewards American Express® Card

American Express® Gold CardAmerican Express® Gold Card

American Express

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Navy Federal More Rewards American Express® CardNavy Federal More Rewards American Express® Card

Navy Federal

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Annual Fee
$325
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
Membership Rewards
Navy Federal Points
Point Value
2.00¢/pt
1.00¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
Up to 100,000 Membership Rewards after $8,000 in 6 months (offers vary)
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Effective return by category

CategoryAmerican Express® Gold CardNavy Federal More Rewards American Express® Card
Dining & Restaurants8.00%
4x
3.00%
3x
Groceries8.00%
4x · $25,000 cap
3.00%
3x
Travel6.00%
3x
1.00%
1x
Gas Stations2.00%
1x
3.00%
3x
Transit & Rideshare2.00%
1x
3.00%
3x
Streaming Services2.00%
1x
1.00%
1x
Everything else2.00%
1x
1.00%
1x

Returns use our default point valuations — multiplier × point value. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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