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USAA Eagle Navigator Visa Signature vs Rewards American Express

Both are USAA cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. Eagle Navigator Visa Signature 2.0% 2x base rate
  2. Rewards American Express 1.0% 1x base rate

Dining

  1. Rewards American Express 3.0% 3x
  2. Eagle Navigator Visa Signature 2.0% 2x base rate

Travel

  1. Eagle Navigator Visa Signature 3.0% 3x
  2. Rewards American Express 1.0% 1x base rate

Ground transportation

  1. Eagle Navigator Visa Signature 3.0% 3x
  2. Rewards American Express 1.0% 1x base rate

What the numbers are doing

The table is earn rate only — annual fees are not netted out of it. These cards charge Eagle Navigator Visa Signature $95 and Rewards American Express $0 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; Rewards American Express takes dining.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseEagle Navigator Visa Signature2.0%
DiningRewards American Express3.0%
TravelEagle Navigator Visa Signature3.0%
Ground transportationEagle 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

  1. Eagle Navigator Visa Signature — 2.0%
  2. Rewards American Express — 1.0%

Dining

  1. Rewards American Express — 3.0%
  2. Eagle Navigator Visa Signature — 2.0%

Travel

  1. Eagle Navigator Visa Signature — 3.0%
  2. Rewards American Express — 1.0%

Ground transportation

  1. Eagle Navigator Visa Signature — 3.0%
  2. Rewards American Express — 1.0%
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