Lowe's Business Rewards Card from American Express vs Navy Federal More Rewards American Express Card

Common questions

Which card has the bigger sign-up bonus, Lowe's Business Rewards Card from American Express or Navy Federal More Rewards American Express Card?

The Navy Federal More Rewards American Express Card has the bigger bonus, 20,000 points ($200 value), worth roughly $200, 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 American Express Card?

The Lowe's Business Rewards Card from American Express has no annual fee, so the question is whether the Navy Federal More Rewards American Express Card's $0 fee is justified by its perks. If you'll use enough of the Navy Federal More Rewards American Express Card's benefits to clear $0 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 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 Lowe's Business Rewards Card from American Express or the Navy Federal More Rewards American Express Card 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 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.