Am I eligible?
To get this card, you must also:
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...
- Lance Cothern, InvestopediaThe 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...
- Zina Kumok, Credit Cards ExplainedOverall, 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.
- Compare CardsThe 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.
- Kelly Dilworth, CreditCards.comThe 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.
- John S Kiernan, WalletHubThe 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.
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 |
|
| 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
Best suited to military families who want a card with many options for redeeming point rewards
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 res...More
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 respectable rewards on dining purchases. And its redemption options are varied. Otherwise, though, this card is at best unremarkable. Most potential applicants for this card would be better served by choosing a card with no annual fee that offers significant cash-back on all purchases. One candidate is the Citi Double Cash card, with which you earn 1% on all purchases when you use the card, then an additional 1% when you make payment.
Offers premier cash back rewards for service members and their loved ones
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.
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.
Generous rewards rate
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.
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.
A reliable card to use for everyday purchases
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.
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.
Could be an asset for your wallet
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.
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.
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.
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.
A solid reward card without much of a wow factor
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.
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.
Great card for unlimited 2X points per $1 spent on gas and groceries
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.
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.
Designed for the unique needs of active duty servicemen and women
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 reviewThe 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
Get great rewards just for using the card
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 reviewThis 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