USAA Classic American Express® is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs.
Last Updated: 07/28/2025
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USAA Classic American Express®
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Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
N/A
Balance Transfer APR (Variable APR)
N/A
Credit Score Range
700 - 850
Annual Fee
$35
USAA Classic American Express® Review
USAA Classic American Express® is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs. |
This is a rewards card issued by USAA Federal Savings Bank. If you're wondering whether USAA Classic American Express® is the right card for you, read on.
Key Takeaways
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of USAA Classic American Express®
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USAA Classic American Express® FAQ
Does USAA Classic American Express® have a cash back or rewards program?
USAA Classic American Express® is a rewards card.
| Description |
Does USAA Classic American Express® have a signup bonus?
This card doesn't offer a cash signup bonus.Does USAA Classic American Express® offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the relevant APRs for USAA Classic American Express®?
USAA Classic American Express® does not offer balance transfers.Does USAA Classic American Express® have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. USAA Classic American Express® does not offer balance transfers.Does USAA Classic American Express® have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for USAA Classic American Express®?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $35.
There is a late fee of up to $35 . Does USAA Classic American Express® have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for USAA Classic American Express®?
The customer service number for USAA Classic American Express® is (800) 531-8722.
What is the support contact email for USAA Classic American Express®?
The support contact email for USAA Classic American Express® is info@usaa.com.
How do people rate the customer service and user experience of USAA Classic American Express®?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does USAA Federal Savings Bank perform a hard credit pull?
Yes, USAA Classic American Express® performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for USAA Classic American Express®
- Visit the website of USAA Classic American Express®.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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