Features

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 to 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. Based on members' creditworthiness the rate ranges from 10.40% APR to 26.40% APR. There is no introductory rate but all service members receive a 4% APR on all balances for up to 12 months during deployment.

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 of 3% but this is capped at a maximum fee of $200. It has no foreign transaction fee 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.

  • Card Type
    • Cash Back
    • Rewards
  • Customer Type
    Personal
  • Card Network
    American Express
  • Credit Score Range
    700 - 850
  • Minimum Age
    18
  • Grace Period / Deferred Interest
    25
  • Late Payment Penalty
    $35
  • Returned Payment Fee
    $35
  • No Annual Fee
  • No Foreign Transaction Fee
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Lost Luggage Insurance
  • Travel Insurance
  • Cashback
  • Purchases APR
    10.4% - 26.4%
  • Transfer Fee
    3%
  • Balance Transfer APR
    10.4% - 26.4%

Personal Credit Cards Products From USAA

js-table-filter bizname-usaa-rewards-visa-card
0
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700
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js-table-filter states-offered-98
js-table-filter states-offered-100
js-table-filter states-offered-99
js-table-filter states-offered-101

Est. 1922

  • Every Purchase
  • Points
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Rewards
Credit Score Range 700
Purchases APR 10.4%
Balance Transfer APR 10.4%
076
js-table-filter bizname-usaa-cash-rewards-american-express-card
0
js-table-filter ccard-type-222
js-table-filter ccard-type-136
js-table-filter cashback-135
700
js-table-filter every-purchase-138
js-table-filter gas-139
js-table-filter groceries-141
12.4
js-table-filter no-annual-fee-238
js-table-filter card-type-9
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter states-offered-44
js-table-filter states-offered-43
js-table-filter states-offered-47
js-table-filter states-offered-45
js-table-filter states-offered-48
js-table-filter states-offered-49
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js-table-filter states-offered-63
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js-table-filter states-offered-67
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js-table-filter states-offered-81
js-table-filter states-offered-78
js-table-filter states-offered-79
js-table-filter states-offered-80
js-table-filter states-offered-82
js-table-filter states-offered-75
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js-table-filter states-offered-89
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js-table-filter states-offered-97
js-table-filter states-offered-95
js-table-filter states-offered-98
js-table-filter states-offered-100
js-table-filter states-offered-99
js-table-filter states-offered-101

Est. 1922

  • Cashback
  • Every Purchase
  • Gas
  • Groceries
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Cash Back
Card Type Rewards
Credit Score Range 700
Purchases APR 12.4%
Balance Transfer APR 12.4%
072
js-table-filter bizname-usaa-rewards-american-express-card
0
js-table-filter ccard-type-222
js-table-filter ccard-type-136
js-table-filter cashback-135
700
js-table-filter every-purchase-138
js-table-filter gas-139
js-table-filter groceries-141
10.4
js-table-filter no-annual-fee-238
js-table-filter card-type-9
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter states-offered-44
js-table-filter states-offered-43
js-table-filter states-offered-47
js-table-filter states-offered-45
js-table-filter states-offered-48
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Est. 1850

  • Cashback
  • Every Purchase
  • Gas
  • Groceries
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Cash Back
Card Type Rewards
Credit Score Range 700
Purchases APR 10.4%
Balance Transfer APR 10.4%
078
js-table-filter bizname-usaa-cash-rewards-visa-card
0
js-table-filter ccard-type-222
js-table-filter ccard-type-136
js-table-filter cashback-135
700
js-table-filter every-purchase-138
12.65
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter states-offered-44
js-table-filter states-offered-43
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js-table-filter states-offered-97
js-table-filter states-offered-95
js-table-filter states-offered-98
js-table-filter states-offered-100
js-table-filter states-offered-99
js-table-filter states-offered-101

Est. 1922

  • Cashback
  • Every Purchase
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Cash Back
Card Type Rewards
Credit Score Range 700
Purchases APR 12.65%
Balance Transfer APR 12.65%
006
js-table-filter bizname-usaa-secured-card-american-express-card
35
js-table-filter ccard-type-138
350
10.4
js-table-filter card-type-9
js-table-filter no-foreign-currency-transaction-fee-237

Est. 1922

  • No Foreign Transaction Fee
Annual Fee $35
Card Type Secured
Credit Score Range 350
Purchases APR 10.4%
Balance Transfer APR 10.4%
106
js-table-filter bizname-usaa-secured-card-platinum-mastercard
35
js-table-filter ccard-type-138
300
10.4
js-table-filter card-type-11
js-table-filter no-foreign-currency-transaction-fee-237

Est. 1922

  • No Foreign Transaction Fee
Annual Fee $35
Card Type Secured
Credit Score Range 300
Purchases APR 10.4%
Balance Transfer APR 10.4%
006
js-table-filter bizname-usaa-rewards-american-express
0
js-table-filter ccard-type-222
js-table-filter ccard-type-136
js-table-filter cashback-135
700
js-table-filter every-purchase-138
js-table-filter gas-139
js-table-filter groceries-141
10.4
js-table-filter no-annual-fee-238
js-table-filter card-type-9
js-table-filter no-foreign-currency-transaction-fee-237

Est. 1922

  • Cashback
  • Every Purchase
  • Gas
  • Groceries
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Cash Back
Card Type Rewards
Credit Score Range 700
Purchases APR 10.4%
Balance Transfer APR 10.4%
006
js-table-filter bizname-usaa-military-affiliate-cards
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
640
js-table-filter every-purchase-138
js-table-filter points-137
11.4
0
js-table-filter no-annual-fee-238
js-table-filter card-type-9
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237

Est. 1922

  • Every Purchase
  • Points
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Balance Transfer
Card Type Rewards
Credit Score Range 640
Purchases APR 11.4%
Balance Transfer APR 11.4%
Intro APR period (months) 12
006
js-table-filter bizname-preferred-cash-rewards-visa-signature
0
js-table-filter ccard-type-222
js-table-filter ccard-type-136
js-table-filter cashback-135
640
js-table-filter every-purchase-138
12.4
4
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237

Est. 1922

  • Cashback
  • Every Purchase
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Cash Back
Card Type Rewards
Credit Score Range 640
Purchases APR 12.4%
Balance Transfer APR 12.4%
Introductory Rate 4%
Intro APR period (months) 12
006
js-table-filter bizname-usaa-classic-visa-platinum
35
560
18.4
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237

Est. 1922

  • No Foreign Transaction Fee
Annual Fee $35
Credit Score Range 560
Purchases APR 18.4%
Balance Transfer APR 18.4%
000
js-table-filter bizname-usaa-classic-american-express
35
js-table-filter ccard-type-136
560
18.65
js-table-filter card-type-9
js-table-filter no-foreign-currency-transaction-fee-237

Est. 1922

  • No Foreign Transaction Fee
Annual Fee $35
Card Type Rewards
Credit Score Range 560
Purchases APR 18.65%
Balance Transfer APR 18.65%
000
js-table-filter bizname-usaa-cash-rewards-visa-signature
0
js-table-filter ccard-type-222
js-table-filter ccard-type-136
js-table-filter cashback-135
640
js-table-filter every-purchase-138
10.65
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237

Est. 1922

  • Cashback
  • Every Purchase
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Cash Back
Card Type Rewards
Credit Score Range 640
Purchases APR 10.65%
Balance Transfer APR 10.65%
006
js-table-filter bizname-usaa-rate-advantage-platinum-visa
js-table-filter ccard-type-139
640
7.4
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237

Est. 1922

  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Low APR
Credit Score Range 640
Purchases APR 7.4%
Balance Transfer APR 7.4%
014
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Reviews

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0 votes

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!


0 votes

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.


0 votes

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!


0 votes

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!


0 votes

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!


0 votes

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.


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