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Side-by-side
Navy Federal More Rewards American Express Card vs Free Spirit Travel More World Elite Mastercard
Both are cashback travel cards. The Navy Federal More Rewards American Express Card comes from Navy Federal Credit Union at $0/yr; the Free Spirit Travel More World Elite Mastercard from Bank of Missouri at $79/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 | Free Spirit Travel More World Elite Mastercard |
|---|---|---|
| Annual fee | $0 | $79 |
| Sign-up bonus | 20,000 points ($200 value) | |
| Bonus value (est.) | $200 | - |
| Min spend to unlock bonus | $2,000 in 3 mo | - |
| Issuer | Navy Federal Credit Union | Bank of Missouri |
| 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
Free Spirit Travel More World Elite Mastercard
$79/yr ·
Editorial take: Free Spirit Travel More World Elite Mastercard
Common questions
- Which card has the bigger sign-up bonus, Navy Federal More Rewards American Express Card or Free Spirit Travel More World Elite Mastercard?
- The Navy Federal More Rewards American Express Card has a public bonus (20,000 points ($200 value), worth roughly $200), while the Free Spirit Travel More World Elite Mastercard doesn't advertise one right now.
- Is the Navy Federal More Rewards American Express Card's $0 annual fee worth it compared to the Free Spirit Travel More World Elite Mastercard?
- The Navy Federal More Rewards American Express Card has no annual fee, so the question is whether the Free Spirit Travel More World Elite Mastercard's $79 fee is justified by its perks. If you'll use enough of the Free Spirit Travel More World Elite Mastercard's benefits to clear $79 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 Free Spirit Travel More World Elite Mastercard?
- Yes, since they're from different issuers (Navy Federal Credit Union and Bank of Missouri) 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 Free Spirit Travel More World Elite Mastercard 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. Free Spirit Travel More World Elite Mastercard: no published min spend. 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.