
USAA Rewards™ American Express® Card
in Personal Credit Cards from USAA
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Purchase APR (Variable APR) | 9.9% - 25.9% |
Balance Transfer APR (Variable APR) | 9.9% - 25.9% |
Credit Score Range | 700 - 850 |
Annual Fee | $0 |
USAA Rewards™ American Express® Card Review
This is a rewards credit card issued by USAA. If you're wondering whether USAA Rewards™ American Express® Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.
- Generous reward rate. You will get a rewards rate of up to 3 reward points per dollar spent.
- Signup bonus. Offers a signup bonus of 2500 points that can be redeemed for travel, gifts, or other perks.
- Competitive APRs. USAA Rewards™ American Express® Card has a variable purchase APR that ranges from 9.9% up to 25.9%.
- No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
- 3% Balance transfer fee. USAA Rewards™ American Express® Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees.
- 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.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, price protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
- Good or better credit required. You will have low approval odds if your credit score is below 700.
The Good | The Bad |
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Does USAA Rewards™ American Express® Card have a cash back or rewards program?
USAA Rewards™ American Express® Card is a rewards card.
Minimum rewards rate | 1x |
Max rewards rate | 3x |
Annual rewards limit | N/A |
Signup Bonus (Points/Miles) | 2500 |
Does USAA Rewards™ American Express® Card have a signup bonus?
This card doesn't offer a cash signup bonus. However, it does include a 2500 points signup bonus that can be redeemed for travel, gifts, or other perks.Does USAA Rewards™ American Express® Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the USAA Rewards™ American Express® Card benefits?
It provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Trip Cancellation Insurance
- Zero fraud liability
- Price Protection
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for USAA Rewards™ American Express® Card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.USAA Rewards™ American Express® Card has a variable purchase APR that ranges from 9.9% up to 25.9%. The card has a variable balance transfer APR that ranges from 9.9% up to 25.9%. It also has a variable cash advance APR that ranges from 9.9% up to 25.9%.
The good news is this card does not charge a penalty APR if you are late on a payment.
Does USAA Rewards™ American Express® Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does USAA Rewards™ American Express® Card 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 Rewards™ American Express® Card?
The following fees apply:
- There is no overlimit fee
Fees | Amount |
---|---|
Annual Fee | $0 |
Overlimit Fee | $0 |
Foreign Transaction Fee | 0% |
Returned Payment Fee | up to $35 |
Late Payment Fee | up to $35 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does USAA Rewards™ American Express® Card 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 Rewards™ American Express® Card?
The USAA Rewards™ American Express® Card customer service number is (800) 531-8722.
What is the support contact email for USAA Rewards™ American Express® Card?
The support contact email for USAA Rewards™ American Express® Card is info@usaa.com.
How do people rate the customer service and user experience of USAA Rewards™ American Express® Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does USAA Rewards™ American Express® Card report your account activity to credit bureaus?
Yes, USAA Rewards™ American Express® Card reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for USAA Rewards™ American Express® Card
- Visit the USAA Rewards™ American Express® Card website.
- 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.
Message From USAA Rewards™ American Express® Card
Contact
- Headquarters
-
9800 Fredericksburg Road
San Antonio, TX 78288 - (800) 531-8722
- Visit Site
- Email Support
Other Services by USAA
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
Foreign Currency Transaction Fee | 0% |
No Annual Fee | |
No Foreign Transaction Fee | |
Annual Fee | $0 |
Minimum Interest Charge | $0 |
Over-Limit Fee | $0 |
No Interest Grace Period for Late Payment | 25 days |
Cash Advance Fee (%) | 3% |
Returned Payment Fee | Up to $35 |
Late Fee Amount | Up to $35 |
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