USAA Cashback Rewards Plus American Express vs Eagle Navigator Visa Signature
Both are USAA cards. Here is every spend category, ranked by what each card actually returns.
Everything else
- Eagle Navigator Visa Signature 2.0% 2x base rate
- Cashback Rewards Plus American Express 1.0% 1% base rate
Groceries
- Cashback Rewards Plus American Express 3.0% 3%, capped
- Eagle Navigator Visa Signature 2.0% 2x base rate
Gas
- Cashback Rewards Plus American Express 5.0% 5%, capped
- Eagle Navigator Visa Signature 2.0% 2x base rate
Travel
- Eagle Navigator Visa Signature 3.0% 3x
- Cashback Rewards Plus American Express 1.0% 1% base rate
Ground transportation
- Eagle Navigator Visa Signature 3.0% 3x
- Cashback Rewards Plus American Express 1.0% 1% base rate
What the numbers are doing
Cashback Rewards Plus American Express's 3% on groceries runs out: it applies to the first $3,000 of groceries spend a year, and everything past that earns 1%.
The table is earn rate only — annual fees are not netted out of it. These cards charge Cashback Rewards Plus American Express $0 and Eagle Navigator Visa Signature $95 a year, so a thin lead in one category may not cover the difference.
Where they differ: Eagle Navigator Visa Signature takes everything else, travel and ground transportation; Cashback Rewards Plus American Express takes groceries and gas.
| Category | Best card |
|---|---|
| Everything else | Eagle Navigator Visa Signature2.0% |
| Groceries | Cashback Rewards Plus American Express3.0% |
| Gas | Cashback Rewards Plus American Express5.0% |
| Travel | Eagle Navigator Visa Signature3.0% |
| Ground transportation | Eagle Navigator Visa Signature3.0% |
Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.
Every category, every card
Everything else
- Eagle Navigator Visa Signature — 2.0%
- Cashback Rewards Plus American Express — 1.0%
Groceries
- Cashback Rewards Plus American Express — 3.0%
- Eagle Navigator Visa Signature — 2.0%
Gas
- Cashback Rewards Plus American Express — 5.0%
- Eagle Navigator Visa Signature — 2.0%
Travel
- Eagle Navigator Visa Signature — 3.0%
- Cashback Rewards Plus American Express — 1.0%
Ground transportation
- Eagle Navigator Visa Signature — 3.0%
- Cashback Rewards Plus American Express — 1.0%
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