Lowe's Business Rewards Card from American Express vs USAA Rewards American Express

Common questions

Which card has the bigger sign-up bonus, Lowe's Business Rewards Card from American Express or USAA Rewards American Express?

The Lowe's Business Rewards Card from American Express has the bigger bonus, $100 statement credit, worth roughly $100, versus 2,500 USAA Rewards points (~$25) on the USAA Rewards American Express.

Is the Lowe's Business Rewards Card from American Express's $0 annual fee worth it compared to the USAA Rewards American Express?

The Lowe's Business Rewards Card from American Express 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 Lowe's Business Rewards Card from American Express.

Can I have both the Lowe's Business Rewards Card from American Express 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 Lowe's Business Rewards Card from American Express or the USAA Rewards American Express first?

Get the one whose sign-up bonus you can hit comfortably without overspending. Lowe's Business Rewards Card from American Express: $1,000 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.