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...
- John S Kiernan, WalletHubThe 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...
- 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.
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 |
Disclaimer: All products, logos, images and trademarks are the property of their respective owners. Content is not provided or commissioned by any company mentioned. Any views, analyses, or recommendations expressed here are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any company mentioned.
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.
The Informr is an independent, advertising supported website and may receive compensation for sponsorships or when you click on certain affiliated links.
Use this card?
Help inform others by sharing your experience with USAA Rewards™ American Express® Card