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CardCurator — Rewards Intelligence
Card Comparison

Navy Federal More Rewards American Express® Card vs Wells Fargo Autograph

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
Wells Fargo Autograph card art
Wells Fargo Autograph Rewards
Wells Fargo Autograph
Wells Fargo
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
20,000 points
Spend $1,000 in 3 months
Top Earn Rates
  • Restaraunts 3x
  • Supermarkets 3x
  • Gas Stations 3x
  • Restaurants, Travel, Gas, Transit, Streaming, Phone Plans 3x
  • All Other Purchases 1x
Reward Type
cashback
miles
Pts Value
~1.00¢/pt points · industry est.
~1.65¢/pt points · industry est.
Key Credits
None
None
Transfer Partners
Cash back only
  • Aer Lingus AerClub
  • Flying Blue
  • Avianca LifeMiles
  • British Airways Executive Club
  • Iberia Plus
  • +4 more
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Common Questions: Navy Federal More Rewards American Express® Card vs Wells Fargo Autograph

Is the Navy Federal More Rewards American Express® Card or Wells Fargo Autograph better for dining?

Navy Federal More Rewards American Express® Card has no dining bonus; Wells Fargo Autograph earns 3x on dining.

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 Autograph offers 20,000 pts signup bonus (spend $1,000 in 3 months). Wells Fargo Autograph 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 Wells Fargo Autograph?

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 Autograph is from Wells Fargo, so they're governed by separate bank policies.