Best card to pair with the Navy Federal More Rewards American Express
Robinhood Gold Card adds the most next to it: together they keep $619 a year after both fees from typical spending, $146 more than the More Rewards American Express on its own.
- Updated October 17, 2026
- $22,300 a year of spending
- Rankings are never paid for
Best pair
Keeps $619 a year after fees
- Earns $669 a year on the spending below; fees come to $50.
- That's $146 more than the More Rewards American Express alone ($473).
- Not everyone can get Navy Federal More Rewards or spend its rewards freely.
- Robinhood Gold Card needs Robinhood Gold ($50 a year), counted in the fees.
Rates change, so verify them with the issuer before you apply.
The best partners
What each card adds to the More Rewards American Express in a year, after its own fee, with every purchase on whichever of the two earns more. On its own, the More Rewards American Express keeps $473 a year.
| Partner | Adds a year | Together | Its fee |
|---|---|---|---|
| #1 Robinhood Gold Card | +$146 | $619 | $50 |
| #2 Wells Fargo Active Cash | +$98 | $571 | $0 |
| #3 Fidelity Rewards Visa Signature | +$98 | $571 | $0 |
| #4 Citi Double Cash | +$98 | $571 | $0 |
| #5 Apple Apple Card | +$98 | $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 | Navy Federal More Rewards | $186 3% |
| Dining | $3,900 | Navy Federal More Rewards | $117 3% |
| Gas | $2,400 | Navy Federal More Rewards | $72 3% |
| Travel | $2,500 | Robinhood Gold Card | $75 3% |
| Drugstores | $700 | Robinhood Gold Card | $21 3% |
| Everything else | $6,600 | Robinhood Gold Card | $198 3% |
| Total | $22,300 | $669 |