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Side-by-side
Lowe's Business Rewards Card from American Express vs Navy Federal More Rewards / Flagship Rewards
Both are well-respected travel cards. The Lowe's Business Rewards Card from American Express comes from American Express at $0/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
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.
| Feature | Lowe's Business Rewards Card from American Express | Navy Federal More Rewards / Flagship Rewards |
|---|---|---|
| Annual fee | $0 | $49 |
| Sign-up bonus | $100 statement credit | 35,000 bonus points (a $350 value) |
| Bonus value (est.) | $100 | $350 |
| Min spend to unlock bonus | $1,000 in 3 mo | $3,500 in ? mo |
| Issuer | American Express | Navy Federal Credit Union |
| Card category | business | travel |
| Best earning category (Lowes) | 5x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
Lowe's Business Rewards Card from American Express
$0/yr · $100 statement credit
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, Lowe's Business Rewards Card from American Express or Navy Federal More Rewards / Flagship Rewards?
- The Navy Federal More Rewards / Flagship Rewards has the bigger bonus, 35,000 bonus points (a $350 value), worth roughly $350, versus $100 statement credit (~$100) on the Lowe's Business Rewards Card from American Express.
- Is the Lowe's Business Rewards Card from American Express's $0 annual fee worth it compared to the Navy Federal More Rewards / Flagship Rewards?
- The Lowe's Business Rewards Card from American Express has no annual fee, so the question is whether the Navy Federal More Rewards / Flagship Rewards's $49 fee is justified by its perks. If you'll use enough of the Navy Federal More Rewards / Flagship Rewards's benefits to clear $49 in value annually, it's worth it; otherwise stick with the Lowe's Business Rewards Card from American Express.
- Can I have both the Lowe's Business Rewards Card from American Express 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 Lowe's Business Rewards Card from American Express or the Navy Federal More Rewards / Flagship Rewards first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Lowe's Business Rewards Card from American Express: $1,000 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.