Skip to main content
CardCurator — Rewards Intelligence
Card Comparison

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

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 Reflect card art
Wells Fargo Cash Rewards
Wells Fargo Reflect
Wells Fargo
More Info
Annual Fee
No annual fee
No annual fee
Foreign Fees
None
3%
Signup Bonus
20,000 points
Spend $2,000 in 3 months
None
Top Earn Rates
  • Restaraunts 3x
  • Supermarkets 3x
  • Gas Stations 3x
1x base rate
Reward Type
cashback
cashback
Pts Value
~1.00¢/pt points · industry est.
~1.00¢/pt points · industry est.
Key Credits
None
None
Open full comparison tool Compare more cards

Common Questions: Navy Federal More Rewards American Express® Card vs Wells Fargo Reflect

Is the Navy Federal More Rewards American Express® Card or Wells Fargo Reflect 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 Reflect offers no current bonus. Navy Federal More Rewards American Express® Card 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. Wells Fargo Reflect charges 3% on foreign purchases.

Can I hold both the Navy Federal More Rewards American Express® Card and the Wells Fargo Reflect?

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