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Navy Federal More Rewards American Express Card vs Wells Fargo Active Cash Card
Both are cashback travel cards. The Navy Federal More Rewards American Express Card comes from Navy Federal Credit Union at $0/yr; the Wells Fargo Active Cash Card from Wells Fargo 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 | Wells Fargo Active Cash Card |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | 20,000 points ($200 value) | $200 cash rewards |
| Bonus value (est.) | $200 | $200 |
| Min spend to unlock bonus | $2,000 in 3 mo | - |
| Issuer | Navy Federal Credit Union | Wells Fargo |
| 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
Wells Fargo Active Cash Card
$0/yr · $200 cash rewards
Editorial take: Wells Fargo Active Cash Card
Common questions
- Which card has the bigger sign-up bonus, Navy Federal More Rewards American Express Card or Wells Fargo Active Cash Card?
- The two cards offer comparable sign-up bonuses around $200. Pick based on which earning categories you actually use.
- Is the Navy Federal More Rewards American Express Card's $0 annual fee worth it compared to the Wells Fargo Active Cash Card?
- The Navy Federal More Rewards American Express Card has no annual fee, so the question is whether the Wells Fargo Active Cash Card's $0 fee is justified by its perks. If you'll use enough of the Wells Fargo Active Cash 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 Wells Fargo Active Cash Card?
- Yes, since they're from different issuers (Navy Federal Credit Union and Wells Fargo) 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 Wells Fargo Active Cash 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. Wells Fargo Active Cash Card: 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.