Navy Federal More Rewards American Express® Card vs Wells Fargo Active Cash
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
- Restaraunts 3x
- Supermarkets 3x
- Gas Stations 3x
- All Purchases 2x
Common Questions: Navy Federal More Rewards American Express® Card vs Wells Fargo Active Cash
Is the Navy Federal More Rewards American Express® Card or Wells Fargo Active Cash 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). Wells Fargo Active Cash offers 20,000 pts signup bonus (spend $500 in 3 months). Both bonuses are roughly equal in value.
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. Wells Fargo Active Cash charges 3% on foreign purchases.
Can I hold both the Navy Federal More Rewards American Express® Card and the Wells Fargo Active Cash?
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 Wells Fargo Active Cash is from Wells Fargo, so they're governed by separate bank policies.