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CardCurator — Rewards Intelligence
Quick Answer

The Navy Federal More Rewards American Express® Card edges out the cashRewards Secured for most cardholders — it wins on 2 of 4 comparison categories and offers 20,000 pts signup bonus earns more (up to 3x vs 1x). The cashRewards Secured is the better choice if you prioritize a different rewards ecosystem.

Card Comparison

cashRewards Secured vs Navy Federal More Rewards American Express® Card

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

cashRewards Secured card art
Navy Federal Credit Union
cashRewards Secured
Navy Federal Credit Union
More Info
Navy Federal More Rewards American Express® Card card art
Navy Federal Credit Union
Navy Federal More Rewards American Express® Card
Navy Federal Credit Union
More Info
Annual Fee
No annual fee
No annual fee
Foreign Fees
None
None
Signup Bonus
None
20,000 points
Spend $2,000 in 3 months
Top Earn Rates
  • All Purchases 1x
  • Restaraunts 3x
  • Supermarkets 3x
  • Gas Stations 3x
Reward Type
cashback
cashback
Pts Value
~1.00¢/pt points · industry est.
~1.00¢/pt points · industry est.
Key Credits
None
None
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Common Questions: cashRewards Secured vs Navy Federal More Rewards American Express® Card

Is the cashRewards Secured or Navy Federal More Rewards American Express® Card better for dining?

Neither card offers a specific dining bonus — both earn their base rate on restaurant purchases.

Which has the higher signup bonus in 2026?

cashRewards Secured currently offers no current bonus. Navy Federal More Rewards American Express® Card offers 20,000 pts signup bonus (spend $2,000 in 3 months). Navy Federal More Rewards American Express® Card has the larger bonus.

Which card is better for international travel?

Both cards charge no foreign transaction fees, making either a solid choice for international travel.

Can I hold both the cashRewards Secured and the Navy Federal More Rewards American Express® Card?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Both cards are from Navy Federal Credit Union, so check their specific application rules.