Compare Cards: Bread Rewards™ American Express® Credit Card vs. Discover it® Chrome vs. Navy Federal GO REWARDS® Credit Card

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Earning Rates	Bread Rewards™ American Express® Credit Card Bread Financial cash-backno-annual-fee Details	Discover it® Chrome Discover cash-backno-annual-fee Details	Navy Federal GO REWARDS® Credit Card Navy Federal Credit Union cash-backno-annual-fee Details
First-year value Welcome offer + annual credits − annual fee	+$0	+$0	+$0
Annual Fee	Waived	Waived	Waived
Credit Required	Fair to Good	Good/Excellent	Fair to Good
Foreign Fee	Waived	Waived	Waived
Welcome Offer	— Store card - no welcome offer 0	— Unlimited Cashback Match™ at end of first year	— Navy Federal - no public welcome offer 0
Network	amex	discover	visa
Earning Rates
All Other Purchases	1× 1x point on all other purchases	—	1× 1x point on all other purchases
All other purchases	—	1× after $1,000	—
Dining	3× 3x points on dining purchases	—	—
Dining at restaurants	—	2× up to $1,000 combined quarterly	—
Gas Stations	3× 3x points on gas station purchases	2× up to $1,000 combined quarterly	2× 2x points at gas stations
Groceries	3× 3x points on grocery store purchases	—	—
Restaurants	—	—	3× 3x points at restaurants
Utility Bills	3× 3x points on utility bill payments	—	—
Benefits & Credits	Other Benefits Bread financial tools: Access to Bread Financial's buy now pay later options		Other Benefits No balance transfer fees: No balance transfer fees Cash advance fee waiver: No cash advance fees
Insurance			Secondary Purchase Protection Extended Warranty