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USAA Rewards™ American Express® Card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
14.15% ‐ 30.15% (Variable)
Interest Rate: Purchases
14.15% ‐ 30.15% (Variable)
Balance Transfer
14.15% ‐ 30.15% (Variable) (0% for the first 15 months)
Balance Transfer
14.15% ‐ 30.15% (Variable) (0% for the first 15 months)
1 - 3 points
1 - 3 points
Signup Bonus
Signup Bonus

Informr score
The USAA Rewards™ American Express® Card currently has an Informr score of 7.3 out of 10. This score is based on our evaluation of 12 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...


The absence of an annual fee and foreign transaction fees, as well as the 15-month 0% introductory APR on balance transfers and convenience checks, may appeal to most eligible people considering the USAA Rewards American Express card. The benefits of this card are best for people who fall into the f...

- Brett Holzhauer, MoneyGeek

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.

- Rebecca Lake, MyBankTracker
The Balance
The Balance

Offers active-duty service members, veterans, and certain family members the chance to earn points on everyday purchases that they can use for a wide range of redemption options. But given that its points system is opaque to non-cardholders, you’ll probably be better off with another card if you hav...

- Lindsay VanSomeren, Michael Rosenston, The Balance

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 respec...

- Lance Cothern, Investopedia
Credit Cards Explained
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


Interest Rates
Regular APR Interest Rate 14.15% ‐ 30.15% (Variable)

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

Balance Transfer Interest Rate 14.15% ‐ 30.15% (Variable) (0% for the first 15 months)
  • This APR will vary with the market based on the Prime Rate.
  • Your Balance Transfer or Convenience Check must post to your account within 90 days of account opening for the Introductory APR to apply to the transaction.
Cash Advance Interest Rate 14.15% ‐ 30.15% (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


Sign up bonus

Get 2,500 bonus points with your first purchase.

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, Google Pay
Virtual Cards No
Additional Benefits
  • Trip Cancellation/Interruption Insurance
  • Baggage Delay
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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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