Last Updated: 07/28/2025
USAA Rewards™ American Express® Card
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Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
14.90% - 30.90%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
14.90% - 30.90%(Verified 06/21/2024)
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Credit Score Range
700 - 850
Annual Fee
$0
USAA Rewards™ American Express® Card Review
This is a rewards card issued by USAA Federal Savings Bank. If you're wondering whether USAA Rewards™ American Express® Card is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 3 reward points per dollar spent.
- 2,500 bonus points after your first qualifying purchase.
- APRs: USAA Rewards™ American Express® Card has a variable regular purchase APR that ranges from 14.90% up to 30.90%.
- 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.
- A 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 Auto Rental Collision Damage Waiver, access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, price protection, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of USAA Rewards™ American Express® Card
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USAA Rewards™ American Express® Card FAQ
Does USAA Rewards™ American Express® Card have a cash back or rewards program?
USAA Rewards™ American Express® Card is a rewards card.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gas | 2 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Groceries | 2 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Restaurants | 3 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does USAA Rewards™ American Express® Card have a signup bonus?
Yes. 2,500 bonus points after your first qualifying purchase.
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?
USAA Rewards™ American Express® Card 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.USAA Rewards™ American Express® Card has a variable purchase APR that ranges from 14.90% up to 30.90%. The card has a variable balance transfer APR that ranges from 14.90% up to 30.90%. It also has a variable cash advance APR that ranges from 11.40% up to 27.40%.
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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 customer service number for USAA Rewards™ American Express® Card 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.
What is the login page for USAA Rewards™ American Express® Card?
You can access the login page of USAA Rewards™ American Express® Card here.
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 to the following credit bureaus:
- 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 build your credit.
Does USAA Federal Savings Bank perform a hard credit pull?
Yes, USAA Rewards™ American Express® Card 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 Rewards™ American Express® Card
- Visit the website of USAA Rewards™ American Express® Card.
- 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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