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Navy Federal More Rewards / Flagship Rewards vs USAA Rewards American Express
Both are well-respected travel cards. The Navy Federal More Rewards / Flagship Rewards comes from Navy Federal Credit Union at $49/yr; the USAA Rewards American Express from USAA at $0/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 | USAA Rewards American Express |
|---|---|---|
| Annual fee | $49 | $0 |
| Sign-up bonus | 35,000 bonus points (a $350 value) | 2,500 USAA Rewards points |
| Bonus value (est.) | $350 | $25 |
| Min spend to unlock bonus | $3,500 in ? mo | $0 in 0 mo |
| Issuer | Navy Federal Credit Union | USAA |
| Card category | travel | rewards |
| 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
USAA Rewards American Express
$0/yr · 2,500 USAA Rewards points
Editorial take: USAA Rewards American Express
Common questions
- Which card has the bigger sign-up bonus, Navy Federal More Rewards / Flagship Rewards or USAA Rewards American Express?
- The Navy Federal More Rewards / Flagship Rewards has the bigger bonus, 35,000 bonus points (a $350 value), worth roughly $350, versus 2,500 USAA Rewards points (~$25) on the USAA Rewards American Express.
- Is the Navy Federal More Rewards / Flagship Rewards's $49 annual fee worth it compared to the USAA Rewards American Express?
- 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 USAA Rewards American Express's, pick the one whose perks you'll actually use.
- Can I have both the Navy Federal More Rewards / Flagship Rewards and USAA Rewards American Express?
- Yes, since they're from different issuers (Navy Federal Credit Union and USAA) 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 USAA Rewards American Express 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. USAA Rewards American Express: $0 in 0 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.