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  USAA Rewards™ American Express® Card

USAA Rewards™ American Express® Card

in Personal Credit Cards from USAA

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USAA Rewards™ American Express® Card

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Highlights
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.

Key Takeaways
  • 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.
Pros & Cons of USAA Rewards™ American Express® Card
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Extended warranty and price protection on purchases.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • USAA Rewards™ American Express® Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Charges a 3% balance transfer fee.
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.

USAA Rewards™ American Express® Card Rewards
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. It has lower than average regular APRs.

It 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
USAA Rewards™ American Express® Card Fees
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 (210) 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.

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.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From USAA Rewards™ American Express® Card

Earn 3X points per dollar spent on dinning Earn 2X points per dollar spent on gas and groceries Earn 1X point for every dollar spent on all other purchases Get 2,500 bonus points with your first purchase

Contact

Hours of Operation

  • Sunday Closed
  • Monday 7:00am - 9:00pm
  • Tuesday 7:00am - 9:00pm
  • Wednesday 7:00am - 9:00pm
  • Thursday 7:00am - 9:00pm
  • Friday 7:00am - 9:00pm
  • Saturday 8:30am - 5:00pm

Other Services by USAA

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Availability

  Available in 50 states and Washington, D.C.
  • 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
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Veterans
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Price Protection
  • Trip Cancellation Insurance
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
  • Concierge
Bonus Offer 2,500 bonus points after your first qualifying purchase.
No Reward Expiration Period
Rewards Categories
  • 2x Points on Gas
  • 2x Points on Groceries
  • 3x Points on Restaurants
  • 1x Point on Every Purchase
Signup Bonus (points) 2,500
Cash Advance APR (Variable APR) 9.9% - 25.9%
Balance Computation Average daily balance (including new purchases)
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 9.9% - 25.9%
Balance Transfer APR (Variable APR) 9.9% - 25.9%
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Bonus Offers
Card Network American Express

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