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...
- Jason Steele, Money CrashersIt’s great to find a cash back credit card that offers competitive returns with no annual fee. For USAA members, the USAA Rewards American Express is an offer that’s worth considering. If you can take advantage of the bonus rewards categories, as well as the promotional financing terms, then the USA...
- Brett Holzhauer, MoneyGeekThe 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...
- Rebecca Lake, MyBankTrackerThe 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.
- Lindsay VanSomeren, Michael Rosenston, The BalanceOffers 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...
- 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 respec...
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
15.15% ‐ 31.15% (Variable) This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
15.15% ‐ 31.15% (Variable) (0% for the first 15 months)
|
| Cash Advance Interest Rate |
15.15% ‐ 31.15% (Variable) This APR will vary with the market based on the Prime Rate. |
| Rates & Fees | |
| Annual Fee | $0.00 |
| Balance Transfer Fee |
5% |
| Cash Advance Fee |
5% 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 |
Get 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, Google 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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