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CardCurator — Rewards Intelligence
Quick Answer

The U.S. BANK SHOPPER CASH REWARDS edges out the Navy Federal More Rewards American Express® Card for most cardholders — it wins on 2 of 4 comparison categories and offers 250 pts signup bonus earns more (up to 6x vs 3x). The Navy Federal More Rewards American Express® Card is the better choice if you want no or lower annual fee.

Card Comparison

Navy Federal More Rewards American Express® Card vs U.S. BANK SHOPPER CASH REWARDS

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
U.S. BANK SHOPPER CASH REWARDS card art
U.S. Bank Cash Rewards
U.S. BANK SHOPPER CASH REWARDS
U.S. Bank
More Info
Annual Fee
No annual fee
$95/yr
Foreign Fees
None
3%
Signup Bonus
20,000 points
Spend $2,000 in 3 months
250 points
Spend $2,000 in 4 months
Top Earn Rates
  • Restaraunts 3x
  • Supermarkets 3x
  • Gas Stations 3x
  • Selected Retailers (2 chosen) 6x
  • Everyday Category (1 chosen) 3x
  • All Other Purchases 1.5x
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: Navy Federal More Rewards American Express® Card vs U.S. BANK SHOPPER CASH REWARDS

Is the Navy Federal More Rewards American Express® Card or U.S. BANK SHOPPER CASH REWARDS 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). U.S. BANK SHOPPER CASH REWARDS offers 250 pts signup bonus (spend $2,000 in 4 months). U.S. BANK SHOPPER CASH REWARDS has the larger bonus.

Which card is better for international travel?

Navy Federal More Rewards American Express® Card charges no foreign transaction fees — the better pick for international use. U.S. BANK SHOPPER CASH REWARDS charges 3% on foreign purchases.

Can I hold both the Navy Federal More Rewards American Express® Card and the U.S. BANK SHOPPER CASH REWARDS?

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 U.S. BANK SHOPPER CASH REWARDS is from U.S. Bank, so they're governed by separate bank policies.