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American Express Graphite Business Cash Unlimited vs Navy Federal More Rewards / Flagship Rewards
Both are well-respected travel cards. The American Express Graphite Business Cash Unlimited comes from American Express at $295/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 Graphite Business Cash Unlimited is the stronger pick today, the sign-up bonus is meaningfully larger ($1,150 more in estimated value) than the Navy Federal More Rewards / Flagship Rewards's. Get the American Express Graphite Business Cash Unlimited first; revisit the Navy Federal More Rewards / Flagship Rewards after you've earned that bonus.
| Feature | American Express Graphite Business Cash Unlimited | Navy Federal More Rewards / Flagship Rewards |
|---|---|---|
| Annual fee | $295 | $49 |
| Sign-up bonus | $1,500 cash back | 35,000 bonus points (a $350 value) |
| Bonus value (est.) | $1,500 | $350 |
| Min spend to unlock bonus | $50,000 in 6 mo | $3,500 in ? mo |
| Issuer | American Express | Navy Federal Credit Union |
| Card category | business | travel |
| Best earning category (Amex_travel_flights_prepaid_hotels) | 5x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
American Express Graphite Business Cash Unlimited
$295/yr · $1,500 cash back
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 Graphite Business Cash Unlimited or Navy Federal More Rewards / Flagship Rewards?
- The American Express Graphite Business Cash Unlimited has the bigger bonus, $1,500 cash back, worth roughly $1,500, versus 35,000 bonus points (a $350 value) (~$350) on the Navy Federal More Rewards / Flagship Rewards.
- Is the American Express Graphite Business Cash Unlimited's $295 annual fee worth it compared to the Navy Federal More Rewards / Flagship Rewards?
- At $295/yr, the American Express Graphite Business Cash Unlimited 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 Graphite Business Cash Unlimited 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 Graphite Business Cash Unlimited or the Navy Federal More Rewards / Flagship Rewards first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. American Express Graphite Business Cash Unlimited: $50,000 spend in 6 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.