Bilt Blue vs USAA Eagle Navigator

Common questions

Which card has the bigger sign-up bonus, Bilt Blue or USAA Eagle Navigator?

The USAA Eagle Navigator has the bigger bonus, 30,000 USAA Rewards points, worth roughly $300, versus $100 Bilt Cash (~$100) on the Bilt Blue.

Is the Bilt Blue's $0 annual fee worth it compared to the USAA Eagle Navigator?

The Bilt Blue has no annual fee, so the question is whether the USAA Eagle Navigator's $95 fee is justified by its perks. If you'll use enough of the USAA Eagle Navigator's benefits to clear $95 in value annually, it's worth it; otherwise stick with the Bilt Blue.

Can I have both the Bilt Blue and USAA Eagle Navigator?

Yes, since they're from different issuers (Bilt / Cardless 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 Bilt Blue or the USAA Eagle Navigator first?

Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Blue: $0 spend in 0 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.