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Side-by-side

TAP Miles and Go American Express Card vs Navy Federal More Rewards American Express Card

Both are well-respected travel cards. The TAP Miles and Go American Express Card comes from Cardless at $79/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.

FeatureTAP Miles and Go American Express CardNavy Federal More Rewards American Express Card
Annual fee$79$0
Sign-up bonus40,000 bonus miles20,000 points ($200 value)
Bonus value (est.)-$200
Min spend to unlock bonus$2,500 in 3 mo$2,000 in 3 mo
IssuerCardlessNavy Federal Credit Union
Card categoryairlinecashback
Best earning category (Tap_air_portugal)3x1x
Transfer partnersNoneNone
Headline benefits
  • 3x miles on TAP purchases
  • 2 Lisbon lounge passes per year
  • Free extra checked bag
  • Star Alliance redemptions
    Read the full review
    TAP Miles and Go American Express Card
    $79/yr · 40,000 bonus miles
    Read the full review
    Navy Federal More Rewards American Express Card
    $0/yr · 20,000 points ($200 value)

    Editorial take: TAP Miles and Go American Express Card

    The only US co-branded card for a European Star Alliance carrier. Useful if you fly TAP to Lisbon or onward Europe several times a year, since the lounge passes, free extra bag, and Premium Boarding can each be worth more than the $79 annual fee on a single transatlantic trip.

    Editorial take: Navy Federal More Rewards American Express Card

    Common questions

    Which card has the bigger sign-up bonus, TAP Miles and Go American Express Card or Navy Federal More Rewards American Express Card?
    The Navy Federal More Rewards American Express Card has a public bonus (20,000 points ($200 value), worth roughly $200), while the TAP Miles and Go American Express Card doesn't advertise one right now.
    Is the TAP Miles and Go American Express Card's $79 annual fee worth it compared to the Navy Federal More Rewards American Express Card?
    At $79/yr, the TAP Miles and Go American Express 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 TAP Miles and Go American Express Card and Navy Federal More Rewards American Express Card?
    Yes, since they're from different issuers (Cardless 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 TAP Miles and Go American Express Card or the Navy Federal More Rewards American Express Card first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. TAP Miles and Go American Express Card: $2,500 spend in 3 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.