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Navy Federal More Rewards American Express Card vs Choice Privileges Select Mastercard
Both are well-respected travel cards. The Navy Federal More Rewards American Express Card comes from Navy Federal Credit Union at $0/yr; the Choice Privileges Select Mastercard from Wells Fargo 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 | Choice Privileges Select Mastercard |
|---|---|---|
| Annual fee | $0 | $95 |
| Sign-up bonus | 20,000 points ($200 value) | 60,000 bonus points |
| Bonus value (est.) | $200 | - |
| Min spend to unlock bonus | $2,000 in 3 mo | $3,000 in 3 mo |
| Issuer | Navy Federal Credit Union | Wells Fargo |
| Card category | cashback | travel |
| 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
Choice Privileges Select Mastercard
$95/yr · 60,000 bonus points
Editorial take: Choice Privileges Select Mastercard
Common questions
- Which card has the bigger sign-up bonus, Navy Federal More Rewards American Express Card or Choice Privileges Select Mastercard?
- The Navy Federal More Rewards American Express Card has a public bonus (20,000 points ($200 value), worth roughly $200), while the Choice Privileges Select 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 Choice Privileges Select Mastercard?
- The Navy Federal More Rewards American Express Card has no annual fee, so the question is whether the Choice Privileges Select Mastercard's $95 fee is justified by its perks. If you'll use enough of the Choice Privileges Select Mastercard'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 Choice Privileges Select Mastercard?
- 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 Choice Privileges Select 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. Choice Privileges Select Mastercard: $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.