Chase Sapphire Preferred vs USAA Rewards Visa Signature

Common questions

Which card has the bigger sign-up bonus, Chase Sapphire Preferred or USAA Rewards Visa Signature?

The Chase Sapphire Preferred has the bigger bonus, 75,000 points, worth roughly $1,500, versus 2,500 USAA Rewards points (~$25) on the USAA Rewards Visa Signature.

Is the Chase Sapphire Preferred's $95 annual fee worth it compared to the USAA Rewards Visa Signature?

At $95/yr, the Chase Sapphire Preferred is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the USAA Rewards Visa Signature's, pick the one whose perks you'll actually use.

Can I have both the Chase Sapphire Preferred and USAA Rewards Visa Signature?

Yes, since they're from different issuers (Chase 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 Chase Sapphire Preferred or the USAA Rewards Visa Signature first?

Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Sapphire Preferred: $5,000 spend in 3 months. USAA Rewards Visa Signature: $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.