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Card Comparison

Navy Federal More Rewards American Express® Card vs The Platinum Card from American Express

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

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
The Platinum Card from American Express card art
American Express Membership Rewards
The Platinum Card from American Express
American Express
More Info
Annual Fee
No annual fee
$895/yr
Foreign Fees
None
None
Signup Bonus
20,000 points
Spend $2,000 in 3 months
175,000 points
Spend $12,000 in 6 months
Top Earn Rates
  • Restaraunts 3x
  • Supermarkets 3x
  • Gas Stations 3x
  • Flights (Direct or Amex Travel) 5x
  • Prepaid Hotels (Amex Travel) 5x
  • All Other Purchases 1x
Reward Type
cashback
miles
Key Credits
None
  • Prepaid Hotel Credit $200
  • Uber Cash $15
  • Airline Fee Credit $200
  • +4 more
Card Perks
None listed
  • Centurion Lounge Access
  • Priority Pass Select
  • Delta Sky Club Access
  • +6 more
Transfer Partners
Cash back only
  • Flying Blue
  • Delta SkyMiles
  • True Blue
  • Qatar Avios
  • Virgin Atlantic Flying Club
  • +13 more
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Common Questions: Navy Federal More Rewards American Express® Card vs The Platinum Card from American Express

Is the Navy Federal More Rewards American Express® Card or The Platinum Card from American Express 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?

Navy Federal More Rewards American Express® Card currently offers 20,000 pts signup bonus (spend $2,000 in 3 months). The Platinum Card from American Express offers 175,000 pts signup bonus (spend $12,000 in 6 months). The Platinum Card from American Express 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 Navy Federal More Rewards American Express® Card and the The Platinum Card from American Express?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Navy Federal More Rewards American Express® Card is from Navy Federal Credit Union and The Platinum Card from American Express is from American Express, so they're governed by separate bank policies.