Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Both cards cost $0/yr. The Navy Federal More Rewards American Express® leads on dining; the Rakuten American Express Card on dining.
Card data as of September 27, 2026.
Navy Federal
First Electronic Bank
Annual Fee
Welcome Bonus
| Category | Navy Federal More Rewards American Express® | Rakuten American Express Card |
|---|---|---|
| Dining | 3X | 2X |
| Gas Stations | 3X | 1X |
| Grocery Stores | 3X | 2X |
| Transit | 3X | 1X |
| Everything Else | 1X | 1X |
Network
Key Benefits
The Navy Federal More Rewards American Express® wins in 4 of 4 categories. The Rakuten American Express Card leads in 0.
Dining
Navy Federal More Rewards American Express® earns 3X vs 2X
Gas Stations
Navy Federal More Rewards American Express® earns 3X vs 1X
Grocery Stores
Navy Federal More Rewards American Express® earns 3X vs 2X
Transit
Navy Federal More Rewards American Express® earns 3X vs 1X
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Both scenarios favor the Rakuten American Express Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Navy Federal More Rewards American Express® | Rakuten American Express Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $216 Credits (our usable estimate): $0 |
Both scenarios favor the Rakuten American Express Card on net value (rewards, usable credits, fees, and welcome offer).
Rewards: $234 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $234 Year one: $334 |
| Rakuten American Express Card |
| Rakuten American Express Card |
| Heavy spender: $4,000/month | Rewards: $864 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $864 Year one: $864 | Rewards: $936 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $936 Year one: $1,036 | Rakuten American Express Card | Rakuten American Express Card |
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
