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Side-by-side

Delta SkyMiles Blue Business American Express Card vs USAA Rewards Visa Signature

Both are well-respected travel cards. The Delta SkyMiles Blue Business American Express Card comes from American Express at $0/yr; the USAA Rewards Visa Signature from USAA at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.

FeatureDelta SkyMiles Blue Business American Express CardUSAA Rewards Visa Signature
Annual fee$0$0
Sign-up bonus10,000 Delta SkyMiles2,500 USAA Rewards points
Bonus value (est.)$110$25
Min spend to unlock bonus$1,000 in 6 mo$0 in 0 mo
IssuerAmerican ExpressUSAA
Card categorybusinessrewards
Best earning category (Delta)2x1x
Transfer partnersdelta-skymilesNone
Headline benefits
  • $0 annual fee
  • 2X Delta + 2X restaurants
  • 20% off Delta in-flight
  • No foreign transaction fees
    Read the full review
    Delta SkyMiles Blue Business American Express Card
    $0/yr · 10,000 Delta SkyMiles
    Read the full review
    USAA Rewards Visa Signature
    $0/yr · 2,500 USAA Rewards points

    Editorial take: Delta SkyMiles Blue Business American Express Card

    The $0 annual fee Delta business card. Holds the SkyMiles relationship alive at zero cost and earns 2X on Delta + restaurants. For business owners flying Delta even occasionally, the $150 Gold Business's first-bag-free and 2X shipping/advertising categories usually justify the upgrade.

    Editorial take: USAA Rewards Visa Signature

    Common questions

    Which card has the bigger sign-up bonus, Delta SkyMiles Blue Business American Express Card or USAA Rewards Visa Signature?
    The Delta SkyMiles Blue Business American Express Card has the bigger bonus, 10,000 Delta SkyMiles, worth roughly $110, versus 2,500 USAA Rewards points (~$25) on the USAA Rewards Visa Signature.
    Is the Delta SkyMiles Blue Business American Express Card's $0 annual fee worth it compared to the USAA Rewards Visa Signature?
    The Delta SkyMiles Blue Business American Express Card has no annual fee, so the question is whether the USAA Rewards Visa Signature's $0 fee is justified by its perks. If you'll use enough of the USAA Rewards Visa Signature's benefits to clear $0 in value annually, it's worth it; otherwise stick with the Delta SkyMiles Blue Business American Express Card.
    Can I have both the Delta SkyMiles Blue Business American Express Card and USAA Rewards Visa Signature?
    Yes, since they're from different issuers (American Express and USAA) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
    Should I get the Delta SkyMiles Blue Business American Express Card or the USAA Rewards Visa Signature first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Delta SkyMiles Blue Business American Express Card: $1,000 spend in 6 months. USAA Rewards Visa Signature: $0 in 0 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

    Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.