Navy Federal More Rewards American Express Card vs TD First Class Visa Signature Credit Card

Common questions

Which card has the bigger sign-up bonus, Navy Federal More Rewards American Express Card or TD First Class Visa Signature Credit Card?

The TD First Class Visa Signature Credit Card has the bigger bonus, 25,000 bonus miles, worth roughly $250, versus 20,000 points ($200 value) (~$200) on the Navy Federal More Rewards American Express Card.

Is the Navy Federal More Rewards American Express Card's $0 annual fee worth it compared to the TD First Class Visa Signature Credit Card?

The Navy Federal More Rewards American Express Card has no annual fee, so the question is whether the TD First Class Visa Signature Credit Card's $89 fee is justified by its perks. If you'll use enough of the TD First Class Visa Signature Credit Card's benefits to clear $89 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 TD First Class Visa Signature Credit Card?

Yes, since they're from different issuers (Navy Federal Credit Union and TD Bank) 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 TD First Class Visa Signature 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. TD First Class Visa Signature Credit Card: $3,000 in 6 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.