Amazon Prime Rewards Visa Signature Card
vs. Navy Federal Credit Union cashRewards

Both the Amazon Prime Rewards Visa Signature Card and the Navy Federal Credit Union cashRewards offer enticing cash back rewards without the burden of annual fees, appealing to savvy spenders. However, the Navy Federal cashRewards edges out with a higher cash back score, making it a strong contender for those with fair to good credit.

The Amazon Prime Rewards Card has a higher cash back rate for Amazon and Whole Foods purchases, which frequent customers of those stores may find particularly lucrative. While the Navy Federal card is more accessible credit-wise, the Amazon card's tailored rewards for its co-branded stores should not be overlooked.

You might prefer the Amazon Prime Rewards Card if you frequently shop on Amazon or at Whole Foods Market and can benefit from the 5% cash back. The welcome bonus and lack of foreign transaction fees add to the card's appeal, especially if you already have or are considering an Amazon Prime membership.

You might prefer the Navy Federal cashRewards if you value a lower APR and a straightforward cash back program that doesn't require specific memberships. Its accessibility to those with fair to good credit and the absence of several common fees make it a practical choice for a wide range of consumers.

Evaluating APRs, fees, credit requirements, rewards and other features will determine which card best suits your financial habits. For instance, if frequent Amazon shopping is part of your routine, the Amazon Prime Rewards Card's higher cash back rate at Amazon and Whole Foods may sway your choice. Conversely, the Navy Federal cashRewards lower APR range could be more appealing for those carrying a balance.

The Amazon Prime Rewards Card leads for Amazon and Whole Foods enthusiasts, offering up to 5% cash back for Prime members. Its 2% cash back at restaurants, gas stations and for commuting expenses is also notable.

The Navy Federal cashRewards strength lies in its simplicity. It provides a flat rate of up to 1.75% cash back on all purchases for those with direct deposit. This makes it a strong contender for consistent rewards across all spending without the need to track specific categories.

The Amazon Prime Rewards Card is the clear winner for those who frequent Amazon or Whole Foods. But if your spending is more varied and you prefer a straightforward cash back on every purchase, the Navy Federal cashRewards card holds its ground, especially with the added benefit of no annual fee. Below is a table of bonus categories to help you compare the rewards programs of both cards at a glance.

Both the Amazon Prime Rewards Card and the Navy Federal cashRewards offer straightforward redemption processes.

With the Amazon Prime Rewards Card, you can redeem points directly on Amazon.com or as a statement credit, ensuring your shopping and rewards are seamlessly integrated. Points remain valid as long as your account is active, providing peace of mind.

The Navy Federal cashRewards card offers the simplicity of cash back that doesn't expire, allowing you to redeem your rewards whenever you choose.

MoneyGeek evaluates credit cards like the Amazon Prime Rewards Card and Navy Federal cashRewards for various use cases. The highest-scoring use case for both cards is cash back. The evaluation process considers factors such as the value of rewards and the return on investment for offers. For a deeper understanding of our process, you can review our ranking methodology.