Beta

Free during beta. Plus launches at $12/mo or $99/yr on July 1. Annual is locked for 12 months during beta.

Skip to content
RewardZ Travel
All credit cards
Side-by-side

Hilton Honors American Express Business Card vs Navy Federal More Rewards American Express Card

Both are well-respected travel cards. The Hilton Honors American Express Business Card comes from American Express at $195/yr; the Navy Federal More Rewards American Express Card from Navy Federal Credit Union at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.

FeatureHilton Honors American Express Business CardNavy Federal More Rewards American Express Card
Annual fee$195$0
Sign-up bonus130,000 points20,000 points ($200 value)
Bonus value (est.)$650$200
Min spend to unlock bonus$6,000 in 6 mo$2,000 in 3 mo
IssuerAmerican ExpressNavy Federal Credit Union
Card categoryhotelcashback
Best earning category (Hilton)12x1x
Transfer partnersNoneNone
Headline benefits
  • 12x at Hilton
  • Free night cert after $15k spend
  • Second free night after $60k
  • Hilton Gold status
    Read the full review
    Hilton Honors American Express Business Card
    $195/yr · 130,000 points
    Read the full review
    Navy Federal More Rewards American Express Card
    $0/yr · 20,000 points ($200 value)

    Editorial take: Hilton Honors American Express Business Card

    If you stay at Hiltons, this is the underrated middle tier, the $60/quarter credit + the $15k-spend Free Night routinely cover the $195 fee, and Gold status is real value at any Hilton property.

    Editorial take: Navy Federal More Rewards American Express Card

    Common questions

    Which card has the bigger sign-up bonus, Hilton Honors American Express Business Card or Navy Federal More Rewards American Express Card?
    The Hilton Honors American Express Business Card has the bigger bonus, 130,000 points, worth roughly $650, versus 20,000 points ($200 value) (~$200) on the Navy Federal More Rewards American Express Card.
    Is the Hilton Honors American Express Business Card's $195 annual fee worth it compared to the Navy Federal More Rewards American Express Card?
    At $195/yr, the Hilton Honors American Express Business Card is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Navy Federal More Rewards American Express Card's, pick the one whose perks you'll actually use.
    Can I have both the Hilton Honors American Express Business Card and Navy Federal More Rewards American Express Card?
    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 Hilton Honors American Express Business Card or the Navy Federal More Rewards American Express Card first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Hilton Honors American Express Business Card: $6,000 spend in 6 months. Navy Federal More Rewards American Express Card: $2,000 in 3 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.