USAA Preferred Cash Rewards Visa Signature vs Rewards American Express
Both are USAA cards. Here is every spend category, ranked by what each card actually returns.
Everything else
- Preferred Cash Rewards Visa Signature 1.5% 1.5% base rate
- Rewards American Express 1.0% 1x base rate
Dining
- Rewards American Express 3.0% 3x
- Preferred Cash Rewards Visa Signature 1.5% 1.5% base rate
Groceries
- Rewards American Express 2.0% 2x
- Preferred Cash Rewards Visa Signature 1.5% 1.5% base rate
Gas
- Rewards American Express 2.0% 2x
- Preferred Cash Rewards Visa Signature 1.5% 1.5% base rate
What the numbers are doing
Where they differ: Preferred Cash Rewards Visa Signature takes everything else; Rewards American Express takes dining, groceries and gas.
| Category | Best card |
|---|---|
| Everything else | Preferred Cash Rewards Visa Signature1.5% |
| Dining | Rewards American Express3.0% |
| Groceries | Rewards American Express2.0% |
| Gas | Rewards American Express2.0% |
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
- Preferred Cash Rewards Visa Signature — 1.5%
- Rewards American Express — 1.0%
Dining
- Rewards American Express — 3.0%
- Preferred Cash Rewards Visa Signature — 1.5%
Groceries
- Rewards American Express — 2.0%
- Preferred Cash Rewards Visa Signature — 1.5%
Gas
- Rewards American Express — 2.0%
- Preferred Cash Rewards Visa Signature — 1.5%
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