TAP Miles and Go American Express Card vs USAA Rewards American Express

Common questions

Which card has the bigger sign-up bonus, TAP Miles and Go American Express Card or USAA Rewards American Express?

The USAA Rewards American Express has a public bonus (2,500 USAA Rewards points, worth roughly $25), while the TAP Miles and Go American Express Card doesn't advertise one right now.

Is the TAP Miles and Go American Express Card's $79 annual fee worth it compared to the USAA Rewards American Express?

At $79/yr, the TAP Miles and Go American Express Card is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the USAA Rewards American Express's, pick the one whose perks you'll actually use.

Can I have both the TAP Miles and Go American Express Card and USAA Rewards American Express?

Yes, since they're from different issuers (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 TAP Miles and Go American Express Card or the USAA Rewards American Express first?

Get the one whose sign-up bonus you can hit comfortably without overspending. TAP Miles and Go American Express Card: $2,500 spend in 3 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.