USAA Rewards™ American Express® Card review

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Advertiser Disclosure

Interest Rate: Purchases
9.9% ‐ 25.9% (Variable)
Balance Transfer
9.9% ‐ 25.9% (Variable)
Rewards
1 - 3 points
Signup Bonus
-


7.4/10
Informr score
The USAA Rewards™ American Express® Card currently has an Informr score of 7.4 out of 10. This score is based on our evaluation of 10 sources including reviews from users and the web's most trusted critics.

Am I eligible?


USAA Rewards™ American Express® Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


WalletHub

The USAA® Rewards™ American Express® Card makes it cheaper to put food on the table and gas in your car's tank. It offers 3 points per $1 spent when you dine out, 2 points per $1 spent on groceries and gas, and 1 point per $1 on all other purchases. Plus, you get a 2,500-point bonus simply for makin...

- John S Kiernan, WalletHub
Investopedia

The USAA Rewards American Express card is potentially very inexpensive to carry; there’s no annual fee, penalty APR, minimum interest charge, or foreign transaction fees. Some competing credit cards have one or more of these fees. While point values are hard to glean, it seems also to offer respecta...

- Lance Cothern, Investopedia
Credit Cards Explained

Overall, the USAA Rewards American Express Card may be good to use while you’re in active duty or deployed abroad. Otherwise, you may be better off finding a rewards credit card that can help you earn better rewards.

- Zina Kumok, Credit Cards Explained
Compare Cards

The USAA® Rewards™ American Express® Card is a simple rewards cards that comes with a high rewards rate in certain categories. If you already spend money on dining, gas, and groceries, this card could be a great fit for you.

- Compare Cards
CreditCards.com

The USAA Rewards American Express Card offers a fair amount of points on dining out, gas and grocery store purchases, but beware of its APR, which can run very high.

- Kelly Dilworth, CreditCards.com

Details


Interest Rates
Regular APR Interest Rate 9.9% ‐ 25.9% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 9.9% ‐ 25.9% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 9.9% ‐ 25.9% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 3%


Cash Advance Fee 3%

Fee waived when transferring funds electronically to a USAA deposit account.

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $35.00

Maximum

Promotions
Sign up bonus

Earn 2,500 bonus points with your first purchase.

Rewards
All Purchases 1 point per $1 spent
Restaurants 3 points per $1 spent
Gas 2 points per $1 spent
Groceries 2 points per $1 spent
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service Yes
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments Apple Pay, Samsung Pay, Android Pay
Virtual Cards No
Additional Benefits
  • Trip Cancellation/Interruption Insurance
  • Baggage Delay
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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