Best card to pair with the Navy Federal cashRewards Plus
Citi Strata Premier adds the most next to it: together they keep $626 a year after both fees from typical spending, $180 more than the cashRewards Plus on its own.
- Updated October 17, 2026
- $22,300 a year of spending
- Rankings are never paid for
Best pair
Keeps $626 a year after fees
- Earns $721 a year on the spending below; fees come to $95.
- That's $180 more than the cashRewards Plus alone ($446).
- Not everyone can get Navy Federal Cashrewards Plus or spend its rewards freely.
Rates change, so verify them with the issuer before you apply.
The best partners
What each card adds to the cashRewards Plus in a year, after its own fee, with every purchase on whichever of the two earns more. On its own, the cashRewards Plus keeps $446 a year.
| Partner | Adds a year | Together | Its fee |
|---|---|---|---|
| #1 Citi Strata Premier | +$180 | $626 | $95 |
| #2 Robinhood Gold Card | +$173 | $619 | $50 |
| #3 American Express Blue Cash Preferred | +$169 | $615 | $95 |
| #4 Barclays Wyndham Rewards Earner Plus | +$157 | $603 | $95 |
| #5 Barclays Wyndham Rewards Earner | +$125 | $571 | $0 |
Which card to use
A year of spending, each purchase on the card that earns the most on it. When a bonus runs out at its cap, the rest goes on the next best card.
| Category | Spend a year | Use | Earns |
|---|---|---|---|
| Groceries | $6,200 | Citi Strata Premier | $260 4.2% |
| Dining | $3,900 | Citi Strata Premier | $164 4.2% |
| Gas | $2,400 | Citi Strata Premier | $101 4.2% |
| Travel | $2,500 | Navy Federal Cashrewards Plus | $50 2% |
| Drugstores | $700 | Navy Federal Cashrewards Plus | $14 2% |
| Everything else | $6,600 | Navy Federal Cashrewards Plus | $132 2% |
| Total | $22,300 | $721 |