Editorial take: British Airways Visa Signature
Avios shine on short-haul AA flights (7,500 miles each way under 1,150 miles). The Travel Together ticket is amazing but requires $30k spend per year, only worth it if you already hit that.
All credit cards
Side-by-side
British Airways Visa Signature vs Navy Federal More Rewards American Express Card
Both are well-respected travel cards. The British Airways Visa Signature comes from Chase at $95/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
For most people the British Airways Visa Signature is the stronger pick today, the sign-up bonus is meaningfully larger ($850 more in estimated value) than the Navy Federal More Rewards American Express Card's. Get the British Airways Visa Signature first; revisit the Navy Federal More Rewards American Express Card after you've earned that bonus.
| Feature | British Airways Visa Signature | Navy Federal More Rewards American Express Card |
|---|---|---|
| Annual fee | $95 | $0 |
| Sign-up bonus | 75,000 Bonus Avios | 20,000 points ($200 value) |
| Bonus value (est.) | $1,050 | $200 |
| Min spend to unlock bonus | $5,000 in 3 mo | $2,000 in 3 mo |
| Issuer | Chase | Navy Federal Credit Union |
| Card category | travel | cashback |
| Best earning category (Travel) | 3x | 1x |
| Transfer partners | None | None |
| Headline benefits |
|
Read the full review
British Airways Visa Signature
$95/yr · 75,000 Bonus Avios
Read the full review
Navy Federal More Rewards American Express Card
$0/yr · 20,000 points ($200 value)
Editorial take: Navy Federal More Rewards American Express Card
Common questions
- Which card has the bigger sign-up bonus, British Airways Visa Signature or Navy Federal More Rewards American Express Card?
- The British Airways Visa Signature has the bigger bonus, 75,000 Bonus Avios, worth roughly $1,050, versus 20,000 points ($200 value) (~$200) on the Navy Federal More Rewards American Express Card.
- Is the British Airways Visa Signature's $95 annual fee worth it compared to the Navy Federal More Rewards American Express Card?
- At $95/yr, the British Airways Visa Signature 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 British Airways Visa Signature and Navy Federal More Rewards American Express Card?
- Yes, since they're from different issuers (Chase 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 British Airways Visa Signature or the Navy Federal More Rewards American Express Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. British Airways Visa Signature: $5,000 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.