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Card Comparison

Navy Federal More Rewards American Express® Card vs Walmart OnePay CashRewards Card

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
Walmart OnePay CashRewards Card card art
Walmart - One Pay Rewards
Walmart OnePay CashRewards Card
Synchrony Bank
More Info
Annual Fee
No annual fee
No annual fee
Foreign Fees
None
None
Signup Bonus
20,000 points
Spend $2,000 in 3 months
3,500 points
Spend $75 in 3 months
Top Earn Rates
  • Restaraunts 3x
  • Supermarkets 3x
  • Gas Stations 3x
  • Walmart with Walmart Plus 5x
  • Walmart without Walmart Plus 3x
  • All Other Purchases 1.5x
Reward Type
cashback
miles
Key Credits
None
None
Transfer Partners
Cash back only
No transfer partners
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Common Questions: Navy Federal More Rewards American Express® Card vs Walmart OnePay CashRewards Card

Is the Navy Federal More Rewards American Express® Card or Walmart OnePay CashRewards 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?

Navy Federal More Rewards American Express® Card currently offers 20,000 pts signup bonus (spend $2,000 in 3 months). Walmart OnePay CashRewards Card offers 3,500 pts signup bonus (spend $75 in 3 months). Walmart OnePay CashRewards 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 Navy Federal More Rewards American Express® Card and the Walmart OnePay CashRewards Card?

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 Walmart OnePay CashRewards Card is from Synchrony Bank, so they're governed by separate bank policies.