Delta SkyMiles Platinum Business American Express Card vs USAA Eagle Navigator

Common questions

Which card has the bigger sign-up bonus, Delta SkyMiles Platinum Business American Express Card or USAA Eagle Navigator?

The Delta SkyMiles Platinum Business American Express Card has the bigger bonus, 70,000 miles, worth roughly $840, versus 30,000 USAA Rewards points (~$300) on the USAA Eagle Navigator.

Is the Delta SkyMiles Platinum Business American Express Card's $350 annual fee worth it compared to the USAA Eagle Navigator?

At $350/yr, the Delta SkyMiles Platinum Business American Express Card is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the USAA Eagle Navigator's, pick the one whose perks you'll actually use.

Can I have both the Delta SkyMiles Platinum Business American Express Card and USAA Eagle Navigator?

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 Platinum Business American Express Card or the USAA Eagle Navigator first?

Get the one whose sign-up bonus you can hit comfortably without overspending. Delta SkyMiles Platinum Business American Express Card: $6,000 spend in 6 months. USAA Eagle Navigator: $3,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.