Navy Federal credit cards, compared

3 Navy Federal cards, from what each earns on a typical year's spending down to what its fee costs. Every card links to its own page, with every rate and where it ranks.

Ranked by what each card earns in a year once its annual fee is paid — every rate converted to dollars with a dated point valuation, spending caps honoured, and rotating categories not credited. Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.