Hilton Honors American Express Card vs Navy Federal More Rewards American Express® Card

Hilton Honors American Express CardHilton Honors American Express 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
No Annual Fee
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
Hilton Honors Points
Navy Federal Points
Point Value
0.50¢/pt
1.00¢/pt
Base Earn Rate
3x
1x
Welcome Bonus
80,000 Hilton Honors Points after $2,000 in 180 days
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Effective return by category

CategoryHilton Honors American Express CardNavy Federal More Rewards American Express® Card
Gas Stations2.50%
5x
3.00%
3x
Transit & Rideshare1.50%
3x
3.00%
3x
Groceries2.50%
5x
3.00%
3x
Dining & Restaurants2.50%
5x
3.00%
3x
Food Delivery2.50%
5x
1.00%
1x
Everything else1.50%
3x
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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