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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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in Personal Credit Cards from USAA

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Highlights
Highlights
Annual Fee $0
Purchase APR  (Variable APR) 11.4% - 27.4%
Balance Transfer APR  (Variable APR) 11.15% - 27.15%
Credit Score Range 700 - 850

USAA Rewards™ American Express® Card Review

USAA Rewards™ American Express® Card is a rewards credit card issued by USAA. 

This card is designed for people with good credit. The minimum credit score to apply is 700. If you're wondering whether USAA Rewards™ American Express® Card is the right card for you, read on. This is everything you need to know to make a good choice.

Is there a USAA Rewards™ American Express® Card cash back or rewards program?

USAA Rewards™ American Express® Card offers a rewards program to its customers.

USAA Rewards™ American Express® Card Rewards
Rewards rate (all purchases) 1%
Max rewards rate 3%
Annual rewards limit N/A
Signup Bonus ($) N/A
Signup Bonus (Points/Miles) 2500

Does USAA Rewards™ American Express® Card have a signup bonus?

USAA Rewards™ American Express® 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?

USAA Rewards™ American Express® 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:

  • Free Credit Score
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Trip Cancellation Insurance
  • Fraud Liability
  • Price Protection
  • Travel Accident Insurance
  • Travel Assistance
  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for USAA Rewards™ American Express® Card?

USAA Rewards™ American Express® Card has a variable purchase APR that ranges from 11.4% up to 27.4%. The card has a variable balance transfer APR that ranges from 11.15% up to 27.15%.

It also has a variable cash advance APR that ranges from 11.4% up to 27.4%.

Does USAA Rewards™ American Express® Card have an introductory APR offer?

No, USAA Rewards™ American Express® Card does not come with an introductory APR offer for balance transfers. USAA Rewards™ American Express® Card does not offer an introductory rate on new purchases.
USAA Rewards™ American Express® Card Rates & Terms
Purchase APR 11.4% - 27.4%
Balance Transfer APR 11.15% - 27.15%
Cash Advance APR 11.4% - 27.4%

What are the USAA Rewards™ American Express® Card fees?

The following fees apply to USAA Rewards™ American Express® Card:

  • There is no overlimit fee
    USAA Rewards™ American Express® Card Fees
    Fees Amount
    Annual Fee $0
    Overlimit Fee $0
    Foreign Transaction Fee 0%
    Balance Transfer Fee 3%
    Returned Payment Fee $35
    Late Payment Fee $35

    Does USAA Rewards™ American Express® Card have a foreign transaction fee?

    USAA Rewards™ American Express® Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

    Does USAA Rewards™ American Express® Card report your account activity to credit bureaus?

    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 can help improve your credit score.

    How to apply for USAA Rewards™ American Express® Card

    • Visit the USAA website.
    • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
    • Check the information is accurate and submit your application.
    • If you're denied click here to find out why your application may have been rejected and what you can do about it.
    SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
  • Contact

    • Headquarters
    •   9800 Fredericksburg Road
      San Antonio, TX 78288 USA
    •   Visit Site

    Message from USAA

    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

    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

    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      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

    No Interest Grace Period for Late Payment 25
    Over-Limit Fee $0
    Minimum Interest Charge $0
    Annual Fee $0
    Foreign Currency Transaction Fee 0%
    No Annual Fee  
    No Foreign Transaction Fee  
    Returned Payment Fee $35
    Late Fee Amount $35
    Balance Transfer Fee % 3%
    Minimum Age 18
    Credit Score Range 700 - 850
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
    Military Status
    • Active Duty Military
    • Military Dependent
    • Veterans
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Customer Type Personal
    Car Rental Insurance  
    Extended Warranty  
    Fraud Liability  
    Travel Insurance  
    Flight Insurance  
    Credit Card Benefits
    • Auto Rental Collision Damage Waiver
    • Emergency Support
    • Extended Warranty Protection
    • Fraud Liability
    • Free Credit Score
    • Identity Theft Protection
    • Price Protection
    • Travel Accident Insurance
    • Travel Assistance
    • Trip Cancellation Insurance
    Rewards Categories
    • Every Purchase
    • Gas
    • Groceries
    • Restaurants
    Bonus Rewards 2x
    Every Purchase 1x
    No Reward Expiration Period  
    Signup Bonus (points) 2,500
    Purchase APR (Variable APR) 11.4% - 27.4%
    Cash Advance APR (Variable APR) 11.4% - 27.4%
    Balance Computation Average daily balance (including new purchases)
    Balance Transfer APR (Variable APR) 11.15% - 27.15%

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