American Express Green Card vs Navy Federal More Rewards American Express®

A detailed side-by-side comparison to help you choose the right card for your spending.

American Express Green Card

American Express

No image

Navy Federal More Rewards American Express®

Navy Federal

Annual Fee

$150

Welcome Bonus

40,000 Flex point

20,000 points

Base Earn Rate

Top Earn Categories

3X Travel

3X Transit

3X Dining

3X Ridesharing

3X Dining

3X Gas Stations

3X Grocery Stores

3X Transit

Network

AMEX

Key Benefits

✓Lounge access

✓Travel insurance

None

Pros

+3X on travel, transit, and dining worldwide covers most everyday spending
+$189 CLEAR Plus credit more than offsets the $150 annual fee for CLEAR users
+$100 LoungeBuddy credit provides flexible airport lounge access
+No foreign transaction fees for international travel
+Made from reclaimed ocean plastic (environmentally friendly)

—

Cons

−$150 annual fee is not waived first year
−No direct lounge network membership (LoungeBuddy is pay-per-use)
−CLEAR credit has limited value outside major airports
−Lower-tier welcome bonus compared to Gold or Platinum
−$35 authorized user fee adds up for multi-card households

—

The Bottom Line

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.

Explore More

American Express Green Card — Full Review All American Express Cards

Navy Federal More Rewards American Express® — Full Review All Navy Federal Cards

Browse all comparisons →Browse all card categories →

American Express Green Card vs Navy Federal More Rewards American Express®

A detailed side-by-side comparison to help you choose the right card for your spending.