Editorial take: Delta SkyMiles Platinum Amex
The companion certificate alone usually covers the annual fee on a single trip. If you fly Delta domestically at least once a year with a partner, this is worth it.
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Side-by-side
Delta SkyMiles Platinum Amex vs USAA Eagle Navigator
Both are travel travel cards. The Delta SkyMiles Platinum Amex comes from American Express at $350/yr; the USAA Eagle Navigator from USAA at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Delta SkyMiles Platinum Amex is the stronger pick today, the sign-up bonus is meaningfully larger ($690 more in estimated value) than the USAA Eagle Navigator's. Get the Delta SkyMiles Platinum Amex first; revisit the USAA Eagle Navigator after you've earned that bonus.
| Feature | Delta SkyMiles Platinum Amex | USAA Eagle Navigator |
|---|---|---|
| Annual fee | $350 | $95 |
| Sign-up bonus | 90,000 miles | 30,000 USAA Rewards points |
| Bonus value (est.) | $990 | $300 |
| Min spend to unlock bonus | - | $3,000 in 3 mo |
| Issuer | American Express | USAA |
| Card category | travel | travel |
| Best earning category (Travel) | 3x | 3x |
| Transfer partners | None | None |
| Headline benefits |
|
Read the full review
Delta SkyMiles Platinum Amex
$350/yr · 90,000 miles
Read the full review
USAA Eagle Navigator
$95/yr · 30,000 USAA Rewards points
Editorial take: USAA Eagle Navigator
Common questions
- Which card has the bigger sign-up bonus, Delta SkyMiles Platinum Amex or USAA Eagle Navigator?
- The Delta SkyMiles Platinum Amex has the bigger bonus, 90,000 miles, worth roughly $990, versus 30,000 USAA Rewards points (~$300) on the USAA Eagle Navigator.
- Is the Delta SkyMiles Platinum Amex's $350 annual fee worth it compared to the USAA Eagle Navigator?
- At $350/yr, the Delta SkyMiles Platinum Amex 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 Amex 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 Amex or the USAA Eagle Navigator first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Delta SkyMiles Platinum Amex: no published min spend. 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.
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.