USAA Rewards™ American Express® Card
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Card network
- American Express
- Regular purchase APR
- 14.9% to 30.9% variable based on creditworthiness
At a glance
The USAA Rewards™ American Express® Card is designed to reward cardholders who use it for everyday things such as gas, groceries, and dining out. Once enough rewards points are earned they can be redeemed for cruises, airline tickets, gift cards, or cash.
Our review of the USAA Rewards™ American Express® Card
If you’re a USAA member looking for a top-notch rewards credit card, the USAA Rewards™ American Express® Card is a stellar choice. With a low rate on purchases and balance transfers, unlimited points, and no annual fee, this card has a lot to offer.
Accelerated Points on Select Categories
The Amex Rewards Card stands out in the USAA lineup with its impressive rewards structure. Cardholders can earn 3x points on dining out, 2x points on gas and groceries, and 1x points on all other purchases. Plus, you have the flexibility to redeem your points for flights, cruises, cash, or gift cards.
Excellent APR – for Some
The USAA Rewards™ American Express® Card offers competitive APR rates, with those with excellent credit scores potentially getting rates under 10% – way below the national average. On the flip side, those with lower credit scores may see rates closer to 26%.
Special Military APR for Active Deployment
USAA is known for its support of military personnel, and this card is no exception. Active-duty military members can benefit from a fixed 4% APR during deployment or PCS. This offer extends until the balance is paid off or the first anniversary of returning from active duty.
Other Card Features
Aside from the great rewards and APR offers, the USAA Rewards™ American Express® Card also comes with perks like identity theft resolution services, travel insurance, auto rental coverage, and more.
Should You Apply for the USAA Rewards™ American Express® Card?
If you’re in the market for a rewards card that offers value and benefits, the USAA Rewards™ American Express® Card is worth considering. Whether you’re on active duty, have excellent credit, or simply want a card with everyday value, this card has something to offer.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Unlimited Points — 3X points for dining out, 2X points on gas and groceries, and 1X points for every dollar spent on other purchases
- No annual fee
- Added Protection — We help give you peace of mind with: Experienced support if your identity is stolen, extended warranties on your purchases, and travel accident and baggage delay insurance
- Pay no foreign transaction fees when you travel outside the U.S.
Who this card may suit
- You're in the U.S. military or are related to someone in the U.S. military
- You frequently dine out or spend money on gas
- You want a card with no annual fee
- You want no foreign transaction fees
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 14.9% to 30.9% variable based on creditworthiness |
| Intro Balance Transfer APR | 0% Introductory APR through your 02/01/2024 billing cycle |
| Balance Transfer APR | 14.9% to 30.9% variable based on creditworthiness |
| Balance Transfer Transaction Fee | 3% of the amount of each transfer |
| Cash Advance APR | 14.9% to 30.9% variable based on creditworthiness |
| Cash Advance Transaction Fee | 3% of the amount of each cash advance. Fee waived when transferring funds electronically to a USAA deposit account |
| Late Payment Penalty Fee | Up to $35 |
| Return Payment Penalty Fee | Up to $35 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.
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USAA Rewards™ American Express® Card
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