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Side-by-side
Macy's American Express Card vs Navy Federal More Rewards / Flagship Rewards
Both are well-respected travel cards. The Macy's American Express Card comes from Department Stores National Bank 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 | Macy's American Express Card | Navy Federal More Rewards / Flagship Rewards |
|---|---|---|
| Annual fee | $0 | $49 |
| Sign-up bonus | 35,000 bonus points (a $350 value) | |
| Bonus value (est.) | - | $350 |
| Min spend to unlock bonus | - | $3,500 in ? mo |
| Issuer | Department Stores National Bank | Navy Federal Credit Union |
| Card category | cashback | travel |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
Macy's American Express Card
$0/yr ·
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, Macy's American Express Card or Navy Federal More Rewards / Flagship Rewards?
- The Navy Federal More Rewards / Flagship Rewards has a public bonus (35,000 bonus points (a $350 value), worth roughly $350), while the Macy's American Express Card doesn't advertise one right now.
- Is the Macy's American Express Card's $0 annual fee worth it compared to the Navy Federal More Rewards / Flagship Rewards?
- The Macy's American Express Card 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 Macy's American Express Card.
- Can I have both the Macy's American Express Card and Navy Federal More Rewards / Flagship Rewards?
- Yes, since they're from different issuers (Department Stores National Bank 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 Macy's American Express Card or the Navy Federal More Rewards / Flagship Rewards first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Macy's American Express Card: no published min spend. 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.