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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
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

USAA Rewards™ American Express® Card 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 is everything you need to know to make a good choice.

Key Takeaways
  • Generous reward rate. You will get a rewards rate of up to 3 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 up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $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 price protection, and fraud protection.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.
USAA Rewards™ American Express® Card Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • 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

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
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?

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:

  • Price Protection
  • ID Theft Protection
  • Reports to major credit bureaus

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

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. USAA Rewards™ American Express® Card has lower than average purchase 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%.

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

No, USAA Rewards™ American Express® Card does not come with an introductory APR offer for balance transfers.

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

USAA Rewards™ American Express® Card does not offer an introductory rate on new purchases.
USAA Rewards™ American Express® Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

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

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%
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?

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

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

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

Gas (Points) 2
Every Purchase (Points) 1X points on all other purchases
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 $35
Late Fee Amount $35
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
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
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)
Purchase APR (Variable APR) 9.9% - 25.9%
Balance Transfer APR (Variable APR) 9.9% - 25.9%
Balance Transfer Fee % 3%
Card Type Rewards
Card Network American Express

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SUPERMONEY NET RECOMMENDATION SCORE

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