Chase Sapphire Preferred® Card vs Navy Federal Flagship Premier Visa Signature

Chase Sapphire Preferred® CardChase Sapphire Preferred® Card

Chase

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Navy Federal Flagship Premier Visa SignatureNavy Federal Flagship Premier Visa Signature

Navy Federal

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Annual Fee
$95
$95
Card Type
Personal
Personal
Rewards Currency
Chase Ultimate Rewards
Navy Federal Points
Point Value
2.00¢/pt
1.00¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
75,000 Chase Ultimate Rewards after $5,000 in 3 months
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Effective return by category

CategoryChase Sapphire Preferred® CardNavy Federal Flagship Premier Visa Signature
Card Travel Portals10.00%
5x
4.00%
4x
Dining & Restaurants6.00%
3x
3.00%
3x
Streaming6.00%
3x
1.00%
1x
Gas Stations6.00%
3x
1.00%
1x
EV Charging6.00%
3x
1.00%
1x
Travel4.00%
2x
4.00%
4x
Airfare4.00%
2x
4.00%
4x
Hotels & Lodging4.00%
2x
4.00%
4x
Car Rentals4.00%
2x
4.00%
4x
Rideshare & Transit4.00%
2x
1.00%
1x
Everything else2.00%
1x
1.00%
1x

Returns are multiplier × point value, using your “smart” setting. Caps and rotating categories affect real-world earnings.

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

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