Amazon Visa vs Navy Federal More Rewards American Express® Card
Side-by-side comparison
| Amazon Visa | Navy Federal More Rewards American Express® Card | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $50 Amazon Gift Card upon approval | 20,000 points ($200) |
| Dining | 2x | 3x |
| Groceries | 3x | 3x |
| Gas | 2x | 3x |
| Travel | 1x | 1x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $470 | $529 |
| Points type | Cash back only | Cash back only |
| Network | Visa | Amex |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified August 2026. See your own numbers in the calculator.
Welcome bonus and value over time
| Over time | Amazon Visa | Navy Federal More Rewards American Express® Card |
|---|---|---|
| Welcome bonus | $50 Amazon Gift Card upon approval | 20,000 points ($200) |
| To earn it | None required | $2,000 in 90 days |
| Est. first-year value* | $580 | $729 |
| Est. ongoing value / yr* | $530 | $529 |
This one splits by time horizon. In year one the Navy Federal More Rewards American Express® Card is ahead by roughly $149, thanks largely to its welcome offer. But the Amazon Visa earns more every year after, so if you keep it, it overtakes the Navy Federal More Rewards American Express® Card only over the very long haul. Chasing the sign-up bonus and open to canceling before the second annual fee? Take the Navy Federal More Rewards American Express® Card. Planning to keep it for years? The Amazon Visa pulls ahead.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent.
Perks, credits, and redemptions
| Perks | Amazon Visa | Navy Federal More Rewards American Express® Card |
|---|---|---|
| Lounge access | None | None |
| Annual credits | ~$60/yr (1 credits) | None |
| Points & redemptions | Cash back only | Cash back only |
On perks and redemptions, the Amazon Visa carries the heavier credit stack (about $60 a year). Weigh those against the fee, since credits and lounge access only count if you will actually use them.
Transfer partners and point value
Neither card earns transferable points, so redemptions are cash-back or fixed portal value on both, roughly a cent per point. There is no airline or hotel transfer angle to separate them.
The verdict
On a typical year of household spending, the Amazon Visa earns about $470 a year in rewards and the Navy Federal More Rewards American Express® Card about $529, valuing every point at a flat 1 cent. The Amazon Visa has no annual fee, so its rewards are all profit. The Navy Federal More Rewards American Express® Card has no annual fee, so its rewards are all profit. Counting rewards and any credits, the Navy Federal More Rewards American Express® Card delivers more total value, about $29 a year more for a typical spender, mostly because it earns more where you spend most, on dining and gas. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the Navy Federal More Rewards American Express® Card currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Navy Federal More Rewards American Express® Card if your spending leans toward dining, gas.