Delta SkyMiles Blue American Express Card vs USAA Rewards American Express

Common questions

Which card has the bigger sign-up bonus, Delta SkyMiles Blue American Express Card or USAA Rewards American Express?

The Delta SkyMiles Blue 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 American Express.

Is the Delta SkyMiles Blue American Express Card's $0 annual fee worth it compared to the USAA Rewards American Express?

The Delta SkyMiles Blue American Express Card has no annual fee, so the question is whether the USAA Rewards American Express's $0 fee is justified by its perks. If you'll use enough of the USAA Rewards American Express's benefits to clear $0 in value annually, it's worth it; otherwise stick with the Delta SkyMiles Blue American Express Card.

Can I have both the Delta SkyMiles Blue American Express Card and USAA Rewards American Express?

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 American Express Card or the USAA Rewards American Express first?

Get the one whose sign-up bonus you can hit comfortably without overspending. Delta SkyMiles Blue American Express Card: $1,000 spend in 6 months. USAA Rewards American Express: $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.