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USAA Cash Rewards American Express

in Personal Credit Cards

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Out of Business

USAA Cash Rewards American Express

in Personal Credit Cards

SuperMoney Net Recommendation Score +83% 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.

Strongly recommended

5 users recommend
1 user is unsure
0 users don't recommend
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Overview

This card is no longer available.

Who is Cash Rewards American Express® Designed For?

Issued by USAA Savings Bank, the Cash Rewards American Express® card is designed for people who are affiliated with the military and are looking for a cash back rewards card with a high rate on everyday purchases and no annual fee. To qualify, members must either be an active (or retired) member of the U.S. military or be related to military members.

What are the Rates for Cash Rewards American Express®?

The Cash Rewards American Express® card charges the same rate for purchases, balance transfers, and cash advances. APRs vary based on members' creditworthiness. 

What Are the Fees for Cash Rewards American Express®?

The USAA's Cash Rewards card does not charge an annual fee. It does charge a balance transfer and cash advance fee but this is capped at a maximum fee of $200. It has no foreign transaction fee. Late payments and returned payments have up to a $35 fee.

What Is Cash Rewards American Express® Rewards Program Like?

The Cash Rewards American Express® has two rewards rates. First, cardholders can earn 2.25% cash back on gas and grocery purchases. Second, cardholders can earn 1.25% cash back on everyday purchases.

What about the Cash Rewards American Express® Signup Bonus?

There is no signup bonus.

Does the Cash Rewards American Express® Card Have Any Other Benefits?

The Cash Rewards American Express® card comes with the standard American Express® travel, security, and travel benefits, such as concierge services, identity theft services, travel accident insurance, extended warranty on purchases and car rental insurance.

It also gives special benefits to the military, such as a rebate of all finance charges while a member is serving in a qualified military campaign and provides practical assistance during and after the deployment.

How Is Cash Rewards American Express® Better Than Other Credit Cards?

The Cash Rewards American Express® offers both a $0 annual fee card and a high rate of cash back rewards, not a common combination. Issued by USAA Savings Bank, the card is restricted to people related to the military, but the requirements are open enough to allow many people to qualify through relatives. The APR rates are low, the benefits are significant and the fees it charges are competitive.

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...

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

Grace Period for Late Payment (Days) 25
Over-Limit Fee $0
Minimum Interest Charge $0
Annual Fee $0
Foreign Currency Transaction Fee 0%
No Annual Fee  
No Foreign Transaction Fee  
Late Payment Penalty $35
Returned Payment Fee $35
Minimum Age 18
Credit Score Range 700 - 850
850 300 700
Customer Type Personal
Car Rental Insurance  
Extended Warranty  
Fraud Liability  
Travel Insurance  
Emergency Support  
Flight Insurance  
Lost Luggage Insurance  
Bonus Rewards 2.25%
Every Purchase 1.25%
Purchase APR (Variable APR) 10.4% - 26.4%

Reviews

 
 

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3
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Purchase APR 11.4% - 27.4%
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5
 
7 total votes
Purchase APR 13.4% - 27.4%
(Variable APR)
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(Variable APR)
    0% 30% Variable APR
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