Editorial take: American Express Business Gold
The 4x on your top two categories each month is uniquely flexible, if your business spend varies, this auto-adapts. The credits need active use to offset the fee.
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Side-by-side
American Express Business Gold vs Navy Federal More Rewards / Flagship Rewards
Both are well-respected travel cards. The American Express Business Gold comes from American Express at $375/yr; the Navy Federal More Rewards / Flagship Rewards from Navy Federal Credit Union at $49/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the American Express Business Gold is the stronger pick today, the sign-up bonus is meaningfully larger ($1,450 more in estimated value) than the Navy Federal More Rewards / Flagship Rewards's. Get the American Express Business Gold first; revisit the Navy Federal More Rewards / Flagship Rewards after you've earned that bonus.
| Feature | American Express Business Gold | Navy Federal More Rewards / Flagship Rewards |
|---|---|---|
| Annual fee | $375 | $49 |
| Sign-up bonus | 100,000 Membership Rewards points | 35,000 bonus points (a $350 value) |
| Bonus value (est.) | $1,800 | $350 |
| Min spend to unlock bonus | $15,000 in 3 mo | $3,500 in ? mo |
| Issuer | American Express | Navy Federal Credit Union |
| Card category | business | travel |
| Best earning category (Top_two_categories) | 4x | 1x |
| Transfer partners | amex-mr | None |
| Headline benefits |
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Read the full review
American Express Business Gold
$375/yr · 100,000 Membership Rewards points
Read the full review
Navy Federal More Rewards / Flagship Rewards
$49/yr · 35,000 bonus points (a $350 value)
Editorial take: Navy Federal More Rewards / Flagship Rewards
Common questions
- Which card has the bigger sign-up bonus, American Express Business Gold or Navy Federal More Rewards / Flagship Rewards?
- The American Express Business Gold has the bigger bonus, 100,000 Membership Rewards points, worth roughly $1,800, versus 35,000 bonus points (a $350 value) (~$350) on the Navy Federal More Rewards / Flagship Rewards.
- Is the American Express Business Gold's $375 annual fee worth it compared to the Navy Federal More Rewards / Flagship Rewards?
- At $375/yr, the American Express Business Gold is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Navy Federal More Rewards / Flagship Rewards's, pick the one whose perks you'll actually use.
- Can I have both the American Express Business Gold and Navy Federal More Rewards / Flagship Rewards?
- Yes, since they're from different issuers (American Express and Navy Federal Credit Union) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the American Express Business Gold or the Navy Federal More Rewards / Flagship Rewards first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. American Express Business Gold: $15,000 spend in 3 months. Navy Federal More Rewards / Flagship Rewards: $3,500 in ? months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.