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Who is USAA Rewards American Express Designed For?

The USAA Rewards American Express is designed for people who are affiliated with the military and are looking for a rewards card with a high rate on everyday purchases and no annual fee. Points can be redeemed for cash, merchandise, travel, gift cards, and donations to military affiliate groups. Members must either be an active (or retired) member of the U.S. military or be related to military members to become a USAA member.

What are the Rates for USAA Rewards American Express?

There is no introductory rate so, from the beginning, purchases, balance transfers, and cash advances APRs will vary with the market based on the prime rate. There is no penalty APR. 

What Are the Fees for USAA Rewards American Express?

The American Express USAA Rewards does not have an annual fee. It does charge a balance transfer and cash advance fee of 3%, but the maximum fee is $200. It has no foreign transaction fee. Late payments and returned payments have a $35 fee.

What Is USAA Rewards American Express' Rewards Program Like?

The USAA Rewards American Express has two rewards rates. First, it gives 2 points for every dollar spent on gas and groceries, with no maximum amounts. Second, cardholders can earn one point for every dollar spent on all other purchases. There are no caps on points earned.

What about the USAA Rewards American Express Signup Bonus?

USAA Rewards American Express gives new cardholders a 2,500 point signup bonus. 

Does the USAA Rewards American Express Have Any Other Benefits?

The USAA Cash Rewards American Express 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 rental car 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 USAA Rewards American Express Better Than Other Credit Cards?

The USAA Rewards American Express offers both a $0 annual fee card and a high rate of cash back rewards, not a common combination. 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 rates are relatively low, but it provides significant perks and a generous rewards program.

  • 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
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Travel Insurance
  • Cashback
  • Transfer Fee
    3%

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