Features

Who is USAA Cashback Rewards American Express Designed For?

The USAA Cashback Rewards American Express is designed for people who are affiliated to the military and are looking for a cash back rewards card with a high rate on everyday purchases and no annual fee. To qualify, members must either be an active (or retired) member of the U.S. military or be related to military members.

What are the Interest Rates for USAA Cashback Rewards American Express?

The USAA Cashback Rewards American Express charges the same interest rate for purchases, balance transfers and cash advances. Based on members' creditworthiness the APR ranges from 12.15% to 26.15%. There is no introductory rate but all service members receive a 4% APR on all balances for up to 12 months during deployment.

What Are the Fees for USAA Cashback Rewards American Express?

The American Express USAA Cashback Rewards does not charge an annual fee. It does charge a balance transfer and cash advance fee of 3% but this is capped at a maximum fee of $200. It also has a foreign transaction fee of 1% on all transactions in U.S. dollars performed within the United States. Late payments and returned payments have a $35 fee.

What Is USAA Cash Rewards American Express Rewards Program Like?

The USAA Cashback Rewards American Express has three rewards rates. First, it gives 5% cash back on the first $3,000 spent on gasoline and military base purchases. Once the $3,000 threshold is reached all other gasoline and military base purchases earn one point for every $1. It has a 2% rebate on regular supermarket purchases up to $3,000, after which the rate drops to 1%. All other purchases earn a 1% cash back.

What about the USAA Cash Rewards American Express Signup Bonus?

There is no signup bonus.

Does the USAA Cash Rewards American Express Have Any Other Benefits?

The USAA Cashback Rewards American Express comes with the standard American Express travel, security and travel benefits, such as concierge services, identity theft services, travel accident insurance, extended warranty on purchases and car rental insurance.

It also gives special benefits to the military, such as a rebate of all finance charges while a member is serving in a qualified military campaign and provides practical assistance during and after the deployment.

How Is USAA Cashback Rewards American Express Better Than Other Credit Cards?

The USAA Cashback Rewards American Express offers both a $0 annual fee card and a high rate of cash back rewards, not a common combination. The card is restricted to people related to the military, but the requirements are open enough to allow many people to qualify through relatives. The interest rates are low, the benefits are significant and the fees it charges are competitive.

  • Card Type
    Cash Back Balance Transfer Rewards
  • Customer Type
    Personal
  • Card Network
    American Express
  • Co-signing Allowed
  • Grace Period / Deferred Interest
    25
  • Late Payment Penalty
    $35
  • Returned Payment Fee
    $35
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Free FICO Score
  • Lost Luggage Insurance
  • Travel Insurance
  • Air Miles
  • Cashback
  • Points
  • Purchases APR
    12.15% - 26.15%
  • Transfer Fee
    3%
  • Balance Transfer APR
    12.15% - 26.15%

Personal Credit Cards Products From USAA

js-table-filter bizname-usaa-rewards-visa-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
10.15
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1922

  • Cashback
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 10.15%
Balance Transfer APR 10.15%
076
js-table-filter bizname-usaa-rate-advantage-mastercard
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
6.9
js-table-filter no-annual-fee-238
js-table-filter card-type-11
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 6.9%
Balance Transfer APR 6.9%%
140
js-table-filter bizname-usaa-cash-rewards-american-express-card
0
js-table-filter ccard-type-222
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
js-table-filter gas-139
js-table-filter groceries-141
12.15
js-table-filter no-annual-fee-238
js-table-filter card-type-9
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1922

  • Cashback
  • Every Purchase
  • Gas
  • Groceries
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Cash Back
Card Type Balance Transfer
Card Type Rewards
Purchases APR 12.15%
Balance Transfer APR 12.15%
072
js-table-filter bizname-usaa-rewards-american-express-card
0
js-table-filter ccard-type-222
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
js-table-filter gas-139
js-table-filter groceries-141
10.15
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-9
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1850

  • Cashback
  • Every Purchase
  • Gas
  • Groceries
  • No Annual Fee
  • 0% Introductory APR
  • No Foreign Transaction Fee
Card Type Cash Back
Card Type Balance Transfer
Card Type Rewards
Purchases APR 10.15%
Balance Transfer APR 10.15%
078
js-table-filter bizname-usaa-rewards-world-mastercard
js-table-filter airlines-140
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter every-purchase-138
js-table-filter points-137
11.15
js-table-filter travel-143
0
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-11
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1922

  • Airlines
  • Every Purchase
  • Points
  • Travel
  • No Annual Fee
  • 0% Introductory APR
  • No Foreign Transaction Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 11.15%
Balance Transfer APR 11.15%
Intro APR period (months) 12
073
js-table-filter bizname-usaa-cash-rewards-visa-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
10.15
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1922

  • Cashback
  • Every Purchase
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 10.15%
Balance Transfer APR 10.15%
006
js-table-filter bizname-usaa-cash-rewards-world-mastercard
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
9.9
js-table-filter no-annual-fee-238
js-table-filter card-type-11
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1922

  • Cashback
  • Every Purchase
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 9.9%
Balance Transfer APR 9.9%%
006
js-table-filter bizname-usaa-secured-platinum-american-express-card
35
js-table-filter ccard-type-137
js-table-filter ccard-type-138
10.15
js-table-filter card-type-9
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-113
js-table-filter credit-required-114

Est. 1922

  • No Foreign Transaction Fee
Annual Fee $35
Card Type Balance Transfer
Card Type Secured
Purchases APR 10.15%
Balance Transfer APR 10.15%
006
js-table-filter bizname-usaa-secured-card-platinum-mastercard
35
js-table-filter ccard-type-138
10.15
js-table-filter card-type-11
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-132
js-table-filter credit-required-113

Est. 1922

  • No Foreign Transaction Fee
Annual Fee $35
Card Type Secured
Purchases APR 10.15%
Balance Transfer APR 10.15%
006
js-table-filter bizname-usaa-rewards-american-express
0
js-table-filter ccard-type-136
js-table-filter every-purchase-138
js-table-filter gas-139
js-table-filter groceries-141
js-table-filter points-137
10.15
js-table-filter no-annual-fee-238
js-table-filter card-type-9
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1922

  • Every Purchase
  • Gas
  • Groceries
  • Points
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Rewards
Purchases APR 10.15%
Balance Transfer APR 10.15%
006
js-table-filter bizname-usaa-military-affiliate-cards
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter every-purchase-138
js-table-filter points-137
11.15
0
js-table-filter no-annual-fee-238
js-table-filter card-type-9
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1922

  • Every Purchase
  • Points
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 11.15%
Balance Transfer APR 11.15%
Intro APR period (months) 12
006
js-table-filter bizname-usaa-preferred-cash-rewards-visa-signature-card
0
js-table-filter ccard-type-222
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
12.15
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1922

  • Cashback
  • Every Purchase
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Cash Back
Card Type Rewards
Purchases APR 12.15%
Balance Transfer APR 12.15%
006
js-table-filter bizname-usaa-classic-visa-platinum
35
18.15
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1922

  • No Foreign Transaction Fee
Annual Fee $35
Purchases APR 18.15%
Balance Transfer APR 18.15%
006
js-table-filter bizname-usaa-classic-american-express
35
js-table-filter ccard-type-136
18.15
js-table-filter card-type-9
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-114
js-table-filter credit-required-115

Est. 1922

  • No Foreign Transaction Fee
Annual Fee $35
Card Type Rewards
Purchases APR 18.15%
Balance Transfer APR 18.15%
006
js-table-filter bizname-usaa-active-military-mastercard
0
js-table-filter cashback-135
js-table-filter every-purchase-138
js-table-filter points-137
10.15
js-table-filter no-annual-fee-238
js-table-filter no-foreign-currency-transaction-fee-237

Est. 1922

  • Cashback
  • Every Purchase
  • Points
  • No Annual Fee
  • No Foreign Transaction Fee
Purchases APR 10.15%
Balance Transfer APR 10.15%
000
js-table-filter bizname-usaa-cash-rewards-visa-signature
0
js-table-filter ccard-type-222
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
10.15
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1922

  • Cashback
  • Every Purchase
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Cash Back
Card Type Rewards
Purchases APR 10.15%
Balance Transfer APR 10.15%
006
js-table-filter bizname-usaa-rate-advantage-platinum-visa
js-table-filter ccard-type-139
7.15
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1922

  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Low APR
Purchases APR 7.15%
Balance Transfer APR 7.15%
014
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Reviews

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0 votes

No introductory rate for this one except for the fact that service members get 4% rate for the first year, which I took advantage of, since my wife is serving. I transferred a big balance from another card and was able to get it paid off in a good amount of time.


0 votes

Great card, providing you stay away from being late and know that there are foreign transaction fees. The latter is important to note, because if you're like me, you end up overseas a lot when you're in the service. At least it is 1%, though, because my last card was the standard 3% foreign transaction fee and that was just way to much on my salary.


0 votes

Before I married into the military, I didn't really use credit cards and didn't think that people who used them for everyday expenses or even big purchases were all that bright. Well, once I tried to live on a military salary as a young family, I found that pulling out plastic is sometimes the only way to get things paid. So that means that having a low interest rate is important. The introductory 4% rate for active military is really helping us get by.


0 votes

In love with this card!! I am active military, so I got the first introductory rate of 4% for a year. Totally awesome, as it saved me a bundle considering the card I had before I switched to this one was a crummy 20% interest rate. There is a transfer fee, but it's only 3% and maxes at $200. I also love that there is no annual fee. And perhaps best of all is the APR that I got once the year was over--their lowest, which is 9.90%. I don't ... think I've ever had such a low interest rate. Only at USAA!! More Less


0 votes

I'm an enormous USAA fan. They have all of my insurance business, as well as my banking business and now my credit card, which I absolutely adore. Getting lots of cash back is so fun for me. What I use the cash back for is gifts for my kids and husband. It saves my budget and allows me to get them some really nice gifts.


0 votes

Amazing card for someone who wants to travel. There are a lot of perks, such as travel accident insurance and collision damage waiver coverage. And then the cash back of 2.25% on gas really ties it all together. We did a driving tour of upper New York after flying there from the west coast and rented a car and used all of these perks. We came back with a good amount of cash back for all of that gas we used!


0 votes

I was hoping I was going to love his card, as my best friend who told me about it does, but I have to say that I am a little disappointed. For one thing, I'm really upset about the fact that my interest rate for the card is really high. I thought that since I'd had another USAA card and always paid on time that I'd get better than 23.9%, but that's the crummy interest rate I got. :(


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