Best USAA Credit Card Alternatives for Your Business Spending 

USAA offers financial services to active and former armed services members and their immediate families. The organization gives members many credit card choices, ranging from rewards cards to credit rebuilding options. Unfortunately, there is no dedicated USAA  business credit card program.  

While you could use a USAA credit card for business, there can be drawbacks. Mixing personal and business expenses can cause a conundrum for you and your accountant at tax time. This scenario applies when you need to look back and figure out which expense belongs where. With the many solid options USAA puts forth, it’s tempting to aggregate spending to maximize benefits. However, you can get the best of both worlds from other business cards with perks and features similar to those of USAA.  

Here’s a look at four business cards that present excellent alternatives to USAA personal cards: 

Best USAA alternative card for business travel: Gold Delta SkyMiles® Business Credit Card from American Express 

Delta SkyMiles® Gold American Express Card
Delta SkyMiles® Gold American Express Card
Earn 50,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 3 months, Offer Expires 10/28/2020.

If you travel occasionally for business and are seeking a way to offset some of those trip expenses, the Gold Delta SkyMiles Business Credit Card from American Express will get you a 30,000-mile  welcome bonus after spending $1,000 in the first three months of ownership. That could earn you up to $300 or more off future bookings for hotels or Delta flights.  

USAA has no travel-specific credit card, but the USAA Rewards™ American Express® Card does offer a 2,500-point bonus on your first purchase. The value of approximately $20 doesn’t come close to the Delta card, which only requires a minimal spend. 

At a glance: USAA Rewards American Express Card and Gold Delta SkyMiles Business Credit Card 

USAA Rewards American Express CardGold Delta SkyMiles Business Credit Card
Rewards Rates3x points on dining out , 2x points on gas and groceries  and 1x points on all other purchases .2 miles per dollar on Delta purchases , 1 mile everywhere else.
APR11.40-27.40% 17.24-26.24% 
Annual FeeNoneNone in first year, $95 thereafter
Sign Up Bonus2,500 points with first purchase.30,000 miles with $1,000 spent over the first three months. 

The business plan 

Not only will you earn rewards on all purchases, but you’ll also get fee-waivers on checked bags for you and eight business travel companions on the same reservation. That could amount to significant savings if you and employees travel frequently.  In-flight Delta purchases are eligible for a 20% percent discount and if airport lounges are your thing, you’ll receive reduced-fee access to Delta Sky Clubs® around the globe.  

Best USAA alternative card for cash back: Capital One Spark Cash for Business 

Capital One® Spark® Cash for Business
Capital One® Spark® Cash for Business
Limited Time Offer: Earn up to $2,000 in cash bonuses.

No matter where you shop for business, the Capital One Spark Cash for Business gives you a simple, hassle-free way to earn 2% cash-back rewards. You won’t have to worry about signups or revolving categories because the reward applies to all purchases. If you have employees, free additional cards help rack up cash back on their expenses, as well.  

The USAA Preferred Cash Rewards Visa Signature Card does much of the same for cardholders interested in cash back but the reward rate falls shy of the Capital One card. All purchases earn 1.5% cash back, so a $100,000 annual spend would net you $500 more with the Spark Cash card. 

At a glance: USAA Preferred Cash Rewards Visa Signature Card and Capital One Spark Cash for Business

USAA Preferred Cash Rewards Visa Signature CardCapital One Spark Cash for Business 
Rewards Rates1.5% unlimited cash back on all purchases 2% unlimited cash back on all purchases
APR13.40-27.40%18.74% 
Annual FeeNoneNone in first year, $95 thereafter
Sign Up BonusNone$500 after spending $5,000 in the first three months and $1,500 after spending $50,000  in the first six months of account opening 

The business plan

The Capital One Spark Cash card gives a huge boost to businesses that spend heavily on inventory or manufacturing materials. Most rewards cards pare down categories to gas or dining, so businesses that direct their resources elsewhere could save considerably. You will also save time and money on year-end reporting by uploading transaction histories directly to QuickBooks accounting software.  

Best USAA alternative card for rewards points: Chase Ink Business Preferred Credit Card 

Ink Business Preferred℠ Credit Card
Ink Business Preferred℠ Credit Card
Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®.

The Chase Ink Business Preferred Credit Card nabs you three points per dollar spent and that bonus extends until you reach $150,000 in annual spending on travel or Internet, phone and cable services. From account inception, you’ll earn an 80,000-point bonus if you spend $5,000 in the first three months.

The USAA Rewards Visa Signature Card has an attractive APR for users with excellent credit. It dishes out two points per dollar on gasoline and restaurant purchases and one point for all other purchases. The problem is that the paltry welcome bonus has a minimal impact on your bottom line. 

At a glance: USAA Rewards Visa Signature and Chase Ink Business Preferred Credit Card

USAA Rewards Visa Signature CardChase Ink Business Preferred Credit Card
Rewards Rates2x points on gas and restaurants, 1x points on all other purchases3x points on travel, internet, phone, cable, shipping and social media advertising, 1x points on all other purchases
APR11.40-27.40% 17.49-22.49% 
Annual FeeNone$95
Sign Up Bonus2,500 bonus points upon first purchase$500 after spending $5,000 in the first 3 months and $1,500 on $50,000 spent in the first 6 months of account opening 

The business plan 

If you enlist in the Chase Ultimate Rewards program, points redeemed through the portal will earn you an additional 25%. So, the easily achievable welcome bonus is worth $1,000, which can be used to offset the cost of hotels or air travel. While the annual fee might not be palatable for fee-conscious businesses, the intro bonus more than makes up for it.

Best USAA alternative card for low rates: Bank of America® Business Advantage Travel Rewards World Mastercard®

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Earn 30,000 bonus points when you make at least $3,000 in net purchases within 90 days of your account opening which can be redeemed for a $300 statement credit towards travel purchases.

The USAA Rate Advantage Visa Platinum Card has one of the lowest APRs available for cardholders with top-tier credit. Where it falls flat is an absence of any rewards program. Thus, if you don’t plan on carrying a balance the low rate is washed out by a lack of any other incentives.

By contrast, the Bank of America Business Advantage Travel Rewards World Mastercard couples a 0% introductory APR for nine months with a tantalizing low rate for creditworthy cardholders. From the start, you’ll receive 1.5 points per dollar and that reward ratio doubles if you book through Bank of America® Travel Center.

At a glance: USAA Rate Advantage Visa Platinum Card and Bank of America Business Advantage Travel Rewards World Mastercard

USAA Rate Advantage Visa Platinum CardBank of America Business Advantage Travel Rewards World Mastercard
Rewards RatesNone3x points on trips booked through Bank of America® Travel Center, 1.5x points on all other purchases 
APR8.40-25.40%12.74-22.74% 
Annual FeeNoneNone
Sign Up BonusNone25,000 points in the first two months after $1,000 in expenditures

The business plan

The Bank of America Business Advantage Travel Rewards World Mastercard is a well-rounded option. With no annual fee, low rates, an easily attainable welcome bonus and the opportunity to earn 75% more points as a Preferred Rewards for Business Platinum Honors member, the solution is a good fit for small businesses that don’t want to carry multiple business cards.

Final thoughts

USAA offers consumers several appealing credit card options, but the organization doesn’t issue business cards. Granted, you could use the card for business expenses, but that move could exhaust additional time and resources, and that’s the last thing a small business needs. A more prudent strategy involves using USAA on the personal side and adding a worthy business credit card that meets all your expectations.