Navy Federal More Rewards American Express® Card vs PenFed Platinum Rewards Visa Signature® Card

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

Navy Federal

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PenFed Platinum Rewards Visa Signature® CardPenFed Platinum Rewards Visa Signature® Card

PenFed

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Annual Fee
No Annual Fee
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
Navy Federal Points
PenFed Points
Point Value
1.00¢/pt
0.85¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
—
15,000 PenFed Points after $1,500 in 90 days

Effective return by category

CategoryNavy Federal More Rewards American Express® CardPenFed Platinum Rewards Visa Signature® Card
Gas Stations3.00%
3x
4.25%
5x
EV Charging1.00%
1x
4.25%
5x
Transit & Rideshare3.00%
3x
0.85%
1x
Groceries3.00%
3x
2.55%
3x
Dining & Restaurants3.00%
3x
2.55%
3x
Streaming Services1.00%
1x
2.55%
3x
Everything else1.00%
1x
0.85%
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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