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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 users are 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.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

Available in 50 States and Washington, DC
  • 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

Annual Fee
$0
Minimum Interest Charge
$0
Over-Limit Fee
$0
Grace Period / Deferred Interest (Months)
25
No Annual Fee
Foreign Currency Transaction Fee
0%
No Foreign Transaction Fee
Late Payment Penalty
$35
Returned Payment Fee
$35
Credit Score Range
700 - 850
850 300 700
Minimum Age
18
Customer Type
Personal
Card Type
  • Cash Back
  • Rewards
Card Network
  • American Express
Fraud Liability
Car Rental Insurance
Extended Warranty
Travel Insurance
Emergency Support
Flight Insurance
Lost Luggage Insurance
Every Purchase
1.25%
Bonus Rewards
2.25%
Purchases APR
10.4% - 26.4%
0% 29%
Transfer Fee
3%

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