Navy Federal More Rewards American Express® Card vs Wells Fargo Autograph℠ Card

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

Navy Federal

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Wells Fargo Autograph℠ CardWells Fargo Autograph℠ Card

Wells Fargo

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Annual Fee
No Annual Fee
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
Navy Federal Points
Wells Fargo Rewards
Point Value
1.00¢/pt
1.00¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
—
20,000 Wells Fargo Rewards after $1,000 in 90 days

Effective return by category

CategoryNavy Federal More Rewards American Express® CardWells Fargo Autograph℠ Card
Gas Stations3.00%
3x
3.00%
3x
Transit & Rideshare3.00%
3x
3.00%
3x
Groceries3.00%
3x
1.00%
1x
Dining & Restaurants3.00%
3x
3.00%
3x
Food Delivery1.00%
1x
3.00%
3x
Airfare1.00%
1x
3.00%
3x
Phone & Wireless1.00%
1x
3.00%
3x
Streaming Services1.00%
1x
3.00%
3x
Everything else1.00%
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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