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Side-by-side
Navy Federal More Rewards American Express Card vs USAA Secured Visa Platinum
Both are well-respected travel cards. The Navy Federal More Rewards American Express Card comes from Navy Federal Credit Union at $0/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
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | Navy Federal More Rewards American Express Card | USAA Secured Visa Platinum |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | 20,000 points ($200 value) | None |
| Bonus value (est.) | $200 | $0 |
| Min spend to unlock bonus | $2,000 in 3 mo | $0 in 0 mo |
| Issuer | Navy Federal Credit Union | USAA |
| Card category | cashback | rewards |
| Best earning category (Restaurants_food_delivery) | 3x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
Navy Federal More Rewards American Express Card
$0/yr · 20,000 points ($200 value)
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, Navy Federal More Rewards American Express Card or USAA Secured Visa Platinum?
- The Navy Federal More Rewards American Express Card has the bigger bonus, 20,000 points ($200 value), worth roughly $200, versus None (~$0) on the USAA Secured Visa Platinum.
- Is the Navy Federal More Rewards American Express Card's $0 annual fee worth it compared to the USAA Secured Visa Platinum?
- The Navy Federal More Rewards American Express Card has no annual fee, so the question is whether the USAA Secured Visa Platinum's $0 fee is justified by its perks. If you'll use enough of the USAA Secured Visa Platinum's benefits to clear $0 in value annually, it's worth it; otherwise stick with the Navy Federal More Rewards American Express Card.
- Can I have both the Navy Federal More Rewards American Express Card and USAA Secured Visa Platinum?
- Yes, since they're from different issuers (Navy Federal Credit Union 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 Navy Federal More Rewards American Express Card or the USAA Secured Visa Platinum first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Navy Federal More Rewards American Express Card: $2,000 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.