Navy Federal More Rewards American Express vs Wells Fargo Autograph Card
Head-to-head comparison of every feature, fee, and perk
VS
At a Glance
Annual Fee
No annual fee
vs
No annual fee
Base Rewards
1x
vs
1x
Sign-Up Bonus
None
vs
$200
Editor Score
7/10
vs
8/10
Detailed Comparison
| Category wins | 3/6 | 3/6 |
| Fees & APR | ||
| Annual Fee | No annual fee★ Lowest | No annual fee |
| Purchase APR | 12.24% – 18% | 20.49% – 29.49% |
| Intro APR (Purchases) | 0% · 12 mo | 0% · 12 mo |
| Intro APR (Balance Transfer) | 0% · 12 mo | |
| Foreign Txn Fee | None★ Lowest | None |
| Balance Transfer Fee | None | 3% |
| Rewards | ||
| Rewards Type | Points | Points |
| Base Rewards Rate | 1x★ Highest | 1x |
| Bonus Categories | 3x Restaurants · 3x Gas Stations · 3x Transit | 3x Restaurants · 3x Travel · 3x Gas Stations |
| Sign-Up Bonus | ✗ Lowest | $200 value★ Highest |
| Eligibility | ||
| Credit Score | Fair (580-669) | Good (670-749) |
| Network | American Express | Visa |
| At a Glance | ||
| Best For | Military families who want low APR and solid rewards | People who spend across multiple categories and want no annual fee |
| Ratings | ||
| User Rating | 4.3 / 5✗ Lowest | 4.4 / 5★ Highest |
| Editor Score | 7 / 10✗ Lowest | 8 / 10★ Highest |
| Apply Now | Apply | Apply |
| Full Review | View details → | View details → |
| Pros & Cons | ||
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Our Verdict
Military credit union card vs. mainstream rewards card. Navy Federal earns 3x on dining/gas/transit with an APR range of 12-18% and no BT fee. The Autograph earns 3x on 6 categories (dining, travel, gas, transit, streaming, phone plans) with cell phone protection. Same 3x on the overlapping categories, but the Autograph covers streaming and phone plans too, plus cell phone protection worth $600. Navy Federal wins on APR (half the rate). Autograph wins on breadth and perks.
Winner: Wells Fargo Autograph Card
More bonus categories and cell phone protection
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Common Questions
Which is better: Navy Federal More Rewards American Express or Wells Fargo Autograph Card?
It depends on your spending habits. The Navy Federal More Rewards American Express has no annual fee and earns 1x base rewards. The Wells Fargo Autograph Card has no annual fee and earns 1x base rewards. Compare their bonus categories above to see which aligns better with your spending.
What is the annual fee difference between Navy Federal More Rewards American Express and Wells Fargo Autograph Card?
The Navy Federal More Rewards American Express has no annual fee while the Wells Fargo Autograph Card has no annual fee. Both cards have the same annual fee, so the decision comes down to rewards structure and perks.
Can I have both the Navy Federal More Rewards American Express and Wells Fargo Autograph Card?
Yes, since these cards are from different issuers (Navy Federal Credit Union and Wells Fargo), you can hold both. Many people pair cards from different banks to maximize bonus category coverage across all their spending.