CardRewardsEditorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.
The Navy Federal More Rewards American Express® ($0/yr) is better for everyday value, while the American Express Green Card ($150/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
American Express
Navy Federal
Annual Fee
Welcome Bonus
| Category | American Express Green Card | Navy Federal More Rewards American Express® |
|---|---|---|
| Dining | 3X | 3X |
| Gas Stations |
The American Express Green Card wins in 3 of 5 categories. The Navy Federal More Rewards American Express® leads in 2.
Travel
American Express Green Card earns 3X vs 1X
Ridesharing
American Express Green Card earns 3X vs 1X
Tolls
American Express Green Card earns 3X vs 1X
Gas Stations
Navy Federal More Rewards American Express® earns 3X vs 1X
Grocery Stores
Navy Federal More Rewards American Express® earns 3X vs 1X
The American Express Green Card costs $150/yr — that's $150 more than the Navy Federal More Rewards American Express® (no annual fee). To justify that gap, you need to extract at least $150 in annual value from the card's higher earn rates and benefits.
The American Express Green Card offers lounge access. Whether that justifies the fee depends on how often you use these benefits.
Bottom line: The $150 difference is moderate. If you spend consistently on travel and transit, the American Express Green Card's higher earn rates and benefits can easily cover the gap.
Choosing one card means missing out on these benefits from the other.
Choosing Navy Federal More Rewards American Express® means losing:
The Navy Federal More Rewards American Express® has a lower annual fee ($0 vs $150), making it the more accessible option.
The American Express Green Card justifies its higher fee with premium perks like lounge access.
Choose the Navy Federal More Rewards American Express® if you want solid rewards with a lower cost of entry. Choose the American Express Green Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
The Navy Federal More Rewards American Express® ($0/yr) is better for everyday value, while the American Express Green Card ($150/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
American Express
Navy Federal
Annual Fee
Welcome Bonus
| Category | American Express Green Card | Navy Federal More Rewards American Express® |
|---|---|---|
| Dining | 3X | 3X |
| Gas Stations |
The American Express Green Card wins in 3 of 5 categories. The Navy Federal More Rewards American Express® leads in 2.
Travel
American Express Green Card earns 3X vs 1X
Ridesharing
American Express Green Card earns 3X vs 1X
Tolls
American Express Green Card earns 3X vs 1X
Gas Stations
Navy Federal More Rewards American Express® earns 3X vs 1X
Grocery Stores
Navy Federal More Rewards American Express® earns 3X vs 1X
The American Express Green Card costs $150/yr — that's $150 more than the Navy Federal More Rewards American Express® (no annual fee). To justify that gap, you need to extract at least $150 in annual value from the card's higher earn rates and benefits.
The American Express Green Card offers lounge access. Whether that justifies the fee depends on how often you use these benefits.
Bottom line: The $150 difference is moderate. If you spend consistently on travel and transit, the American Express Green Card's higher earn rates and benefits can easily cover the gap.
Choosing one card means missing out on these benefits from the other.
Choosing Navy Federal More Rewards American Express® means losing:
The Navy Federal More Rewards American Express® has a lower annual fee ($0 vs $150), making it the more accessible option.
The American Express Green Card justifies its higher fee with premium perks like lounge access.
Choose the Navy Federal More Rewards American Express® if you want solid rewards with a lower cost of entry. Choose the American Express Green Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
The Navy Federal More Rewards American Express® ($0/yr) is better for everyday value, while the American Express Green Card ($150/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
American Express
Navy Federal
Annual Fee
Welcome Bonus
| Category | American Express Green Card | Navy Federal More Rewards American Express® |
|---|---|---|
| Dining | 3X | 3X |
| Gas Stations |
The American Express Green Card wins in 3 of 5 categories. The Navy Federal More Rewards American Express® leads in 2.
Travel
American Express Green Card earns 3X vs 1X
Ridesharing
American Express Green Card earns 3X vs 1X
Tolls
American Express Green Card earns 3X vs 1X
Gas Stations
Navy Federal More Rewards American Express® earns 3X vs 1X
Grocery Stores
Navy Federal More Rewards American Express® earns 3X vs 1X
The American Express Green Card costs $150/yr — that's $150 more than the Navy Federal More Rewards American Express® (no annual fee). To justify that gap, you need to extract at least $150 in annual value from the card's higher earn rates and benefits.
The American Express Green Card offers lounge access. Whether that justifies the fee depends on how often you use these benefits.
Bottom line: The $150 difference is moderate. If you spend consistently on travel and transit, the American Express Green Card's higher earn rates and benefits can easily cover the gap.
Choosing one card means missing out on these benefits from the other.
Choosing Navy Federal More Rewards American Express® means losing:
The Navy Federal More Rewards American Express® has a lower annual fee ($0 vs $150), making it the more accessible option.
The American Express Green Card justifies its higher fee with premium perks like lounge access.
Choose the Navy Federal More Rewards American Express® if you want solid rewards with a lower cost of entry. Choose the American Express Green Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
| 1X |
| 3X |
| Grocery Stores | 1X | 3X |
| Ridesharing | 3X | 1X |
| Tolls | 3X | 1X |
| Transit | 3X | 3X |
| Travel | 3X | 1X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
Get the American Express Green Card if you:
Get the Navy Federal More Rewards American Express® if you:
| 1X |
| 3X |
| Grocery Stores | 1X | 3X |
| Ridesharing | 3X | 1X |
| Tolls | 3X | 1X |
| Transit | 3X | 3X |
| Travel | 3X | 1X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
Get the American Express Green Card if you:
Get the Navy Federal More Rewards American Express® if you:
| 1X |
| 3X |
| Grocery Stores | 1X | 3X |
| Ridesharing | 3X | 1X |
| Tolls | 3X | 1X |
| Transit | 3X | 3X |
| Travel | 3X | 1X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
Get the American Express Green Card if you:
Get the Navy Federal More Rewards American Express® if you: