Editorial take: Chase Sapphire Reserve
Recently revamped with over $3,000 in annual credits and perks. If you travel three or more times a year and live near an airport with a Sapphire lounge, this card is a smart choice.
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Side-by-side
Chase Sapphire Reserve vs USAA Secured Visa Platinum
Both are well-respected travel cards. The Chase Sapphire Reserve comes from Chase at $795/yr; the USAA Secured Visa Platinum from USAA at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Chase Sapphire Reserve is the stronger pick today, the sign-up bonus is meaningfully larger ($2,500 more in estimated value) than the USAA Secured Visa Platinum's. Get the Chase Sapphire Reserve first; revisit the USAA Secured Visa Platinum after you've earned that bonus.
| Feature | Chase Sapphire Reserve | USAA Secured Visa Platinum |
|---|---|---|
| Annual fee | $795 | $0 |
| Sign-up bonus | 125,000 points | None |
| Bonus value (est.) | $2,500 | $0 |
| Min spend to unlock bonus | $6,000 in 3 mo | $0 in 0 mo |
| Issuer | Chase | USAA |
| Card category | travel | rewards |
| Best earning category (Chase_travel) | 8x | 1x |
| Transfer partners | chase-ur | None |
| Headline benefits |
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Read the full review
Chase Sapphire Reserve
$795/yr · 125,000 points
Read the full review
USAA Secured Visa Platinum
$0/yr · None
Editorial take: USAA Secured Visa Platinum
Common questions
- Which card has the bigger sign-up bonus, Chase Sapphire Reserve or USAA Secured Visa Platinum?
- The Chase Sapphire Reserve has the bigger bonus, 125,000 points, worth roughly $2,500, versus None (~$0) on the USAA Secured Visa Platinum.
- Is the Chase Sapphire Reserve's $795 annual fee worth it compared to the USAA Secured Visa Platinum?
- Premium cards like the Chase Sapphire Reserve ($795/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $795+ of those credits, the math works. The USAA Secured Visa Platinum at $0/yr trades some perks for a lower commitment.
- Can I have both the Chase Sapphire Reserve and USAA Secured Visa Platinum?
- 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 Reserve or the USAA Secured Visa Platinum first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Sapphire Reserve: $6,000 spend in 3 months. USAA Secured Visa Platinum: $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.
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.