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.

Pros & Cons of USAA Rewards™ American Express® Card

The Good

The Bad

Lower than average purchase APRs. No annual fee. Multiple credit card perks. Cardholders can earn rewards on their purchases. Offers auto rental collision damage waiver. Includes emergency support. Extended warranty protection on purchases. Free access to your credit score. Price Protection. Travel Accident Insurance. Travel Assistance. Trip Cancellation Insurance. No foreign transaction fee. Earn rewards on every purchase. USAA Rewards™ American Express® Card reports to multiple credit bureaus.

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

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
• Zero 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?

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 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%.

USAA Rewards™ American Express® Card Balance Transfers

Description
Balance Transfer APR	11.15% - 27.15%
Introductory Rate	N/A
Intro APR period (months)	N/A

USAA Rewards™ American Express® Card Rates & Terms

Description
Balance Computation	Average daily balance (including new purchases)
Purchase APR	11.4% - 27.4%
Credit Limit	N/A
Penalty APR	N/A
Cash Advance APR	11.4% - 27.4%
Introductory Rate	N/A
Intro APR period (months)	N/A

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 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 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.