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Navy Federal More Rewards American Express Card vs U.S. Bank Shopper Cash Rewards Visa Signature Card
Both are cashback travel cards. The Navy Federal More Rewards American Express Card comes from Navy Federal Credit Union at $0/yr; the U.S. Bank Shopper Cash Rewards Visa Signature Card from U.S. Bank at $95/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 | U.S. Bank Shopper Cash Rewards Visa Signature Card |
|---|---|---|
| Annual fee | $0 | $95 |
| Sign-up bonus | 20,000 points ($200 value) | $250 cash back bonus |
| Bonus value (est.) | $200 | $250 |
| Min spend to unlock bonus | $2,000 in 3 mo | $2,000 in 4 mo |
| Issuer | Navy Federal Credit Union | U.S. Bank |
| 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
U.S. Bank Shopper Cash Rewards Visa Signature Card
$95/yr · $250 cash back bonus
Editorial take: U.S. Bank Shopper Cash Rewards Visa Signature Card
Common questions
- Which card has the bigger sign-up bonus, Navy Federal More Rewards American Express Card or U.S. Bank Shopper Cash Rewards Visa Signature Card?
- The U.S. Bank Shopper Cash Rewards Visa Signature Card has the bigger bonus, $250 cash back bonus, 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 U.S. Bank Shopper Cash Rewards Visa Signature Card?
- The Navy Federal More Rewards American Express Card has no annual fee, so the question is whether the U.S. Bank Shopper Cash Rewards Visa Signature Card's $95 fee is justified by its perks. If you'll use enough of the U.S. Bank Shopper Cash Rewards Visa Signature Card's benefits to clear $95 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 U.S. Bank Shopper Cash Rewards Visa Signature Card?
- Yes, since they're from different issuers (Navy Federal Credit Union and U.S. 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 U.S. Bank Shopper Cash Rewards Visa Signature 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. U.S. Bank Shopper Cash Rewards Visa Signature Card: $2,000 in 4 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.