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

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Earning Rates	Navy Federal More Rewards American Express® Card Navy Federal Credit Union cash-backno-annual-fee Details	Bread Rewards™ American Express® Credit Card Bread Financial cash-backno-annual-fee Details	Discover it® Chrome Discover cash-backno-annual-fee Details
First-year value Welcome offer + annual credits − annual fee	+$200	+$0	+$0
Annual Fee	Waived	Waived	Waived
Credit Required	Good to Excellent	Fair to Good	Good/Excellent
Foreign Fee	Waived	Waived	Waived
Welcome Offer	20,000 pts 20,000 bonus points ($200 value) after $2,000 spend in 90 days Spend $2,000 in 3 mo	— Store card - no welcome offer 0	— Unlimited Cashback Match™ at end of first year
Network	amex	amex	discover
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	4× 4x points at restaurants	3× 3x points on dining purchases	—
Dining at restaurants	—	—	2× up to $1,000 combined quarterly
Gas Stations	3× 3x points at gas stations	3× 3x points on gas station purchases	2× up to $1,000 combined quarterly
Groceries	3× 3x points at grocery stores	3× 3x points on grocery store purchases	—
Travel (airfare, hotels)	2× 2x points on travel (airfare, hotels)	—	—
Utility Bills	—	3× 3x points on utility bill payments	—
Benefits & Credits	Other Benefits American Express benefits: Access to Amex-specific perks and protections	Other Benefits Bread financial tools: Access to Bread Financial's buy now pay later options
Insurance	Trip Delay Secondary Purchase Protection Extended Warranty