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Side-by-side
Navy Federal More Rewards / Flagship Rewards vs Southwest Rapid Rewards Priority
Both are well-respected travel cards. The Navy Federal More Rewards / Flagship Rewards comes from Navy Federal Credit Union at $49/yr; the Southwest Rapid Rewards Priority from Chase at $229/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 | Navy Federal More Rewards / Flagship Rewards | Southwest Rapid Rewards Priority |
|---|---|---|
| Annual fee | $49 | $229 |
| Sign-up bonus | 35,000 bonus points (a $350 value) | 60,000 points |
| Bonus value (est.) | $350 | $840 |
| Min spend to unlock bonus | $3,500 in ? mo | $2,000 in 3 mo |
| Issuer | Navy Federal Credit Union | Chase |
| Card category | travel | airline |
| Best earning category (Travel) | 3x | 1x |
| Transfer partners | None | None |
| Headline benefits |
|
Read the full review
Navy Federal More Rewards / Flagship Rewards
$49/yr · 35,000 bonus points (a $350 value)
Read the full review
Southwest Rapid Rewards Priority
$229/yr · 60,000 points
Editorial take: Southwest Rapid Rewards Priority
If Southwest is your airline, this is the card to have. The anniversary points and $75 travel credit help offset the annual fee, and the 4x earning on Southwest is class-leading among airline cards.
Common questions
- Which card has the bigger sign-up bonus, Navy Federal More Rewards / Flagship Rewards or Southwest Rapid Rewards Priority?
- The Southwest Rapid Rewards Priority has the bigger bonus, 60,000 points, worth roughly $840, versus 35,000 bonus points (a $350 value) (~$350) on the Navy Federal More Rewards / Flagship Rewards.
- Is the Navy Federal More Rewards / Flagship Rewards's $49 annual fee worth it compared to the Southwest Rapid Rewards Priority?
- At $49/yr, the Navy Federal More Rewards / Flagship Rewards is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Southwest Rapid Rewards Priority's, pick the one whose perks you'll actually use.
- Can I have both the Navy Federal More Rewards / Flagship Rewards and Southwest Rapid Rewards Priority?
- Yes, since they're from different issuers (Navy Federal Credit Union and Chase) 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 Navy Federal More Rewards / Flagship Rewards or the Southwest Rapid Rewards Priority first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Navy Federal More Rewards / Flagship Rewards: $3,500 spend in ? months. Southwest Rapid Rewards Priority: $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.