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Navy Federal More Rewards American Express Card vs United Explorer Card
Both are well-respected travel cards. The Navy Federal More Rewards American Express Card comes from Navy Federal Credit Union at $0/yr; the United Explorer Card from Chase at $150/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the United Explorer Card is the stronger pick today, the sign-up bonus is meaningfully larger ($840 more in estimated value) than the Navy Federal More Rewards American Express Card's. Get the United Explorer Card first; revisit the Navy Federal More Rewards American Express Card after you've earned that bonus.
| Feature | Navy Federal More Rewards American Express Card | United Explorer Card |
|---|---|---|
| Annual fee | $0 | $150 |
| Sign-up bonus | 20,000 points ($200 value) | 70,000 miles + 10,000 AU bonus |
| Bonus value (est.) | $200 | $1,040 |
| Min spend to unlock bonus | $2,000 in 3 mo | $3,000 in 3 mo |
| Issuer | Navy Federal Credit Union | Chase |
| Card category | cashback | airline |
| 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
United Explorer Card
$150/yr · 70,000 miles + 10,000 AU bonus
Editorial take: United Explorer Card
Solid for United flyers. The free checked bag and 2 United Club passes per year add up, and the 70k + 10k AU bonus is a great starting point for domestic award flights. $0 intro annual fee, then $150.
Common questions
- Which card has the bigger sign-up bonus, Navy Federal More Rewards American Express Card or United Explorer Card?
- The United Explorer Card has the bigger bonus, 70,000 miles + 10,000 AU bonus, worth roughly $1,040, 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 United Explorer Card?
- The Navy Federal More Rewards American Express Card has no annual fee, so the question is whether the United Explorer Card's $150 fee is justified by its perks. If you'll use enough of the United Explorer Card's benefits to clear $150 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 United Explorer Card?
- 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 American Express Card or the United Explorer 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. United Explorer Card: $3,000 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.