All credit cards
Side-by-side
Navy Federal More Rewards American Express Card vs Sephora Visa Credit Card
Both are cashback travel cards. The Navy Federal More Rewards American Express Card comes from Navy Federal Credit Union at $0/yr; the Sephora Visa Credit Card from Comenity 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 American Express Card | Sephora Visa Credit Card |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | 20,000 points ($200 value) | 25% off your first Sephora.com purchase + 4X Beauty Insider points on that purchase |
| Bonus value (est.) | $200 | $25 |
| Min spend to unlock bonus | $2,000 in 3 mo | $0 in 0 mo |
| Issuer | Navy Federal Credit Union | Comenity |
| Card category | cashback | cashback |
| Best earning category (Restaurants_food_delivery) | 3x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
Navy Federal More Rewards American Express Card
$0/yr · 20,000 points ($200 value)
Read the full review
Sephora Visa Credit Card
$0/yr · 25% off your first Sephora.com purchase + 4X Beauty Insider points on that purchase
Editorial take: Sephora Visa Credit Card
Common questions
- Which card has the bigger sign-up bonus, Navy Federal More Rewards American Express Card or Sephora Visa Credit Card?
- The Navy Federal More Rewards American Express Card has the bigger bonus, 20,000 points ($200 value), worth roughly $200, versus 25% off your first Sephora.com purchase + 4X Beauty Insider points on that purchase (~$25) on the Sephora Visa Credit Card.
- Is the Navy Federal More Rewards American Express Card's $0 annual fee worth it compared to the Sephora Visa Credit Card?
- The Navy Federal More Rewards American Express Card has no annual fee, so the question is whether the Sephora Visa Credit Card's $0 fee is justified by its perks. If you'll use enough of the Sephora Visa Credit Card's benefits to clear $0 in value annually, it's worth it; otherwise stick with the Navy Federal More Rewards American Express Card.
- Can I have both the Navy Federal More Rewards American Express Card and Sephora Visa Credit Card?
- Yes, since they're from different issuers (Navy Federal Credit Union and Comenity) 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 American Express Card or the Sephora Visa Credit Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Navy Federal More Rewards American Express Card: $2,000 spend in 3 months. Sephora Visa Credit Card: $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.