USAA Cash Rewards American Express is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs.

Last Updated: 05/14/2026

Not Currently Available

USAA Cash Rewards American Express

from USAA Federal Savings Bank

Last Updated: 05/14/2026

Strongly recommended7 total votes

6 users recommend

1 users are unsure

Community Recommended Products

View All

Mostly recommended35 Reviews

Learn More

Strongly recommended13 Reviews

Learn More

Mostly recommended11 Reviews

Learn More

Compare All Credit Cards

Filter & compare all your options in one place.

View All Products

Highlights

Community Rating

Strongly recommended

Purchase APR (Variable APR)

10.4% - 26.4%(Verified 06/21/2024)

Disclaimer popup with additional information

Balance Transfer APR (Variable APR)

N/A

Credit Score Range

700 - 850

Annual Fee

Number of Reviews

USAA Cash Rewards American Express Review

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...

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.

Created by

Fact Checked by

SuperMoney

Andrew Latham

Contact

Headquarters

1 Norterra Dr

Phoenix, AZ 85085

(800) 531-8722

Visit Site

Email Support

Other Services by USAA Federal Savings Bank

CD Accounts

3 products

Be the first to rate

Checking Accounts

3 products

25 Reviews

Savings Accounts

2 products

Rating not yet determined (3 Reviews)

Boaters Insurance

Rating not yet determined (3 Reviews)

Car Insurance

24 Reviews

Flood Insurance

2 products

Rating not yet determined (1 Review)

Homeowners Insurance

44 Reviews

Life Insurance

11 Reviews

Mobile Home Insurance

Rating not yet determined (4 Reviews)

Motorcycle and ATV Insurance

Rating not yet determined (2 Reviews)

Personal Watercraft Insurance

Be the first to rate

Renters Insurance

16 Reviews

Specialty Homeowners Insurance

Be the first to rate

5 Reviews

Be the first to rate

5 Reviews

Rating not yet determined (1 Review)

Auto Loans

46 Reviews

Personal Loans

11 Reviews

Home Mortgage Loans

Be the first to rate

Auto Loan Refinancing

Be the first to rate

Mortgage Refinance

7 Reviews

Other Credit Cards from USAA Federal Savings Bank

USAA Rewards™ Visa Signature® Credit Card

Mostly recommended

14 reviews

Purchase APR

14.90% - 30.90%

Disclaimer popup with additional information

Balance Transfer APR

14.90% - 30.90%

Disclaimer popup with additional information

Credit Score Range

650 - 850

300

850

Annual Fee

Visit Site

USAA Preferred Cash Rewards Credit Card

Rating not yet determined

1 review

Purchase APR

16.15% - 28.15%

Disclaimer popup with additional information

Balance Transfer APR

16.15% - 28.15%

Disclaimer popup with additional information

Credit Score Range

680 - 850

300

850

Annual Fee

Visit Site

USAA Rewards™ American Express® Card

Rating not yet determined

1 review

Purchase APR

14.90% - 30.90%

Disclaimer popup with additional information

Balance Transfer APR

14.90% - 30.90%

Disclaimer popup with additional information

Credit Score Range

700 - 850

300

850

Annual Fee

Visit Site

USAA Eagle Navigator® Credit Card

Rating not yet determined

Be the first to rate

Purchase APR

19.15% - 27.40%

Disclaimer popup with additional information

Balance Transfer APR

19.15% - 27.40%

Disclaimer popup with additional information

Credit Score Range

680 - 850

300

850

Annual Fee

$95

Visit Site

USAA Rate Advantage Credit Card

Rating not yet determined

Be the first to rate

Purchase APR

11.15% - 25.15%

Disclaimer popup with additional information

Balance Transfer APR

11.15% - 25.15%

Disclaimer popup with additional information

Credit Score Range

680 - 850

300

850

Annual Fee

Visit Site

USAA Cashback Rewards Plus American Express®

Mostly recommended

7 reviews

Purchase APR

16.90% - 30.90%

Disclaimer popup with additional information

Balance Transfer APR

16.90% - 30.90%

Disclaimer popup with additional information

Credit Score Range

650 - 850

300

850

Annual Fee

Visit Site

SuperMoney Net Recommendation Score

SuperMoney users strongly recommend this product, giving it a user recommendation score of +86, or 4.7 on a 5-point rating scale.

+86

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

USAA Cash Rewards American Express Community Reviews

Would you recommend USAA Cash Rewards American Express to your friends?

Frederick L.

May 26, 2019

May or may not recommend

Hello I'm deaf and I need credit card for disability benefits checks every month

Anonymous

May 9, 2015

May or may not recommend

I wanted an American Express card, but when I went to apply for one I found that the APR's weren't all that great, so I didn't apply. Then I found this card with USAA and it looked like the answer to me getting an American Exprss card. I have the card and it has a great APR, and then there was the nice signup bonus of 2500 points!

Anonymous

May 9, 2015

May or may not recommend

This card covers all the bases in terms of being a really good card. You get travel benefits with this card, including accident insurance. They also give you a hefty signup bonus of 2500 points, and you are rewarded for using the card. You get 2x points when spending on gas and groceries--necessities for all of us! And then 1x points for everything else.

Anonymous

May 9, 2015

May or may not recommend

The application process for this card went more smoothly than any other application I've filled out for a credit card. I got approved really quickly and then was happy to see 2500 in bonus points applied to my account after I made my first purchase. All this when my credit score is in the 600s!

Anonymous

May 9, 2015

May or may not recommend

I enjoy the versatility of this card in terms of how you can redeem your points. They can be used for cash, merchandise, gift cards or even travel. That's the right way to dole out rewards! They also give you 2500 bonus points for signing up! Really good card!

Anonymous

May 9, 2015

May or may not recommend

Love this card and love USAA! The APR is one of the lowest I have seen--at 9.90%, and there's no annual fee. I earn 2x per dollar spent on gas and groceries, which I buy a lot of! And best of all, there is no cap on that.There's also no expiration or cutoff dates, which is a good thing.

Anonymous

May 9, 2015

May or may not recommend

Really pleasantly surprised that despite a little struggle with my credit and a score in the 600s, they gave me this card. It has a pretty low credit limit of $1000, but it's a USAA AmEx Card! I'm sure that it's going to help me build my credit even more. Looking forward to using it and doing just that!

Showing 7 of 7 reviews