USAA Rewards American Express Card review

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Advertiser Disclosure

Interest Rate: Purchases
12.15% ‐ 28.15%
Balance Transfer
12.15% ‐ 28.15%
Rewards
1 - 3 points
Signup Bonus
-


7.5/10
Informr score
The USAA Rewards American Express Card currently has an Informr score of 7.5 out of 10. This score is based on our evaluation of 8 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...


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
WalletHub

The USAA Rewards Amex is $15.75 per year cheaper than the average credit card and rewards you up to three times more for making purchases.

- John S Kiernan, WalletHub
Finder

If you’re affiliated with the military and looking for a credit card that earns rewards points, the USAA Rewards™ American Express® Card could be a helpful solution. 

- Finder
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
Bankrate

A no-frills rewards credit card that only former and current military as well as immediate family members of someone with military ties is eligible for. This is a pretty basic card that offers standard rewards with few wow moments.

- Natalie Campisi, Bankrate

Details


Interest Rates
Regular APR Interest Rate 12.15% ‐ 28.15%

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

Balance Transfer Interest Rate 12.15% ‐ 28.15%

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

Cash Advance Interest Rate 12.15% ‐ 28.15%

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

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

Maximum of $200

Cash Advance Fee 3%

Maximum of $200

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 Yes
Fraud Protection Yes
Free Credit Scores No
Wireless Payments Apple Pay, Samsung Pay, Android Pay
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
Suggest a correction

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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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Critic Reviews


CreditCards.com

A reliable card to use for everyday purchases

from 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.

Read full review

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.

Read full review

Less

WalletHub

Could be an asset for your wallet

from WalletHub

The USAA Rewards Amex is $15.75 per year cheaper than the average credit card and rewards you up to three times more for making purchases.

Read full review

The USAA Rewards Amex is $15.75 per year cheaper than the average credit card and rewards you up to three times more for making purchases.

Read full review

Less

Finder

If you’re in the military and looking for a card with benefits, this may be the card for you

If you’re affiliated with the military and looking for a credit card that earns rewards points, the USAA Rewards™ American Express® Card could be a helpful solution. 

Read full review

If you’re affiliated with the military and looking for a credit card that earns rewards points, the USAA Rewards™ American Express® Card could be a helpful solution. 

Read full review

Less

Credit Cards Explained

Offers premier cash back rewards for service members and their loved ones

from 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.

Read full review

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.

Read full review

Less

Bankrate

A solid reward card without much of a wow factor

from Bankrate

A no-frills rewards credit card that only former and current military as well as immediate family members of someone with military ties is eligible for. This is a pretty basic card that offers standard rewards with few wow moments.

Read full review

A no-frills rewards credit card that only former and current military as well as immediate family members of someone with military ties is eligible for. This is a pretty basic card that offers standard rewards with few wow moments.

Read full review

Less

Get.com

Great card for unlimited 2X points per $1 spent on gas and groceries

from Get.com

USAA Rewards™ American Express® Card is a good rewards card to get if you are a military service member or veteran and it offers very favorable terms for active service members, and provides great rewards for everyday spending.

Read full review

USAA Rewards™ American Express® Card is a good rewards card to get if you are a military service member or veteran and it offers very favorable terms for active service members, and provides great rewards for everyday spending.

Read full review

Less

MyBankTracker

Designed for the unique needs of active duty servicemen and women

from MyBankTracker

The best feature of the USAA Rewards American Express Card is the rewards program. Besides earning two points for every dollar you spend on gas and groceries, you also earn one point per dollar on all other net purchases. Plus, there’s no cap on the number of points you can earn each year.

Read full review

The best feature of the USAA Rewards American Express Card is the rewards program. Besides earning two points for every dollar you spend on gas and groceries, you also earn one point per dollar on all other net purchases. Plus, there’s no cap on the number of points you can earn each year.

Read full review

Less

CreditShout

Get great rewards just for using the card

from CreditShout

This card is designed for people who want a straightforward cash back program without worrying about rotating categories. And thanks to its generous rewards program.

Read full review

This card is designed for people who want a straightforward cash back program without worrying about rotating categories. And thanks to its generous rewards program.

Read full review

Less

User Reviews


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