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  USAA Rewards™ American Express® Card
USAA Rewards™ American Express® Card Claimed

USAA Rewards™ American Express® Card

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Net Recommendation Score +100  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating

Rating not yet determined  

Purchase APR  (Variable APR) 11.40% - 27.40%
(Verified 08/22/2022)
Balance Transfer APR  (Variable APR) 11.40% - 27.40%
(Verified 08/22/2022)
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.

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.
  • Competitive APRs. USAA Rewards™ American Express® Card has a variable purchase APR that ranges from 11.40% up to 27.40%.
  • 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
  • Potentially 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.
  • You need good credit to qualify.
  • 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 ($) 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 11.40% up to 27.40%. The card has a variable balance transfer APR that ranges from 11.40% up to 27.40%. 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?

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 (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 USAA Rewards™ American Express® Card login page?

You can access the USAA Rewards™ American Express® Card login page 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 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.

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...
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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View all credit cards offered by USAA

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • 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

Feature Breakdown

Cash Advance Fee (%) 3%
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
Returned Payment Fee Up to $35
Late Fee Amount Up to $35
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Veterans
  • Military Dependent
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
  • Experian
  • Equifax
  • 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) 11.40% - 27.40%
APR Type Variable APR
Balance Computation Average daily balance (including new purchases)
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 11.40% - 27.40%
(Verified 08/22/2022)
Balance Transfer APR (Variable APR) 11.40% - 27.40%
(Verified 08/22/2022)
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Bonus Offers
Card Network American Express

USAA Rewards™ American Express® Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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