Info about USAA® Rewards™ American Express® Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
Rewards%APR258Reviews16Q&AContact
RewardsAPRWalletHub ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit
Annual Fee
$0
Rewards
Get 2,500 bonus points with your first purchase.
Earn 3X points per dollar spent on dining
Earn 2X points per dollar spent on gas and groceries
Earn 1X points for every dollar spent on all other purchases
Redeem points for cash, merchandise, gift cards and more.
APR on Purchases
14.40% - 30.40% (V)
Balance Transfer
0% intro APR for until October 2024, 14.40% - 30.40% (V) APR after that
The USAA® Rewards™ American Express® Card has a $0 annual fee, a 0% foreign transaction fee and solid rewards in everyday spending categories. USAA Rewards Amex cardholders earn 3 points per $1 spent dining out as well as 2 points per $1 spent on gas and groceries, plus 1 point... show more
View 258 User Reviews
USAA® Rewards™ American Express® Card's Additional Info
USAA membership is available to active and former military and their eligible family members
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Your Balance Transfer must post to your account by 06/30/2023 of account opening for the Introductory APR to apply to the transaction.
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Security Benefits: Chip card technology has added security when used at a chip-enabled terminal and greater acceptance worldwide. Zero liability coverage for unauthorized transactions if your card is lost or stolen. Collision damage waiver coverage pays for physical damage and theft to most rental vehicles. Get account balances and transaction history by sending a text message. Access your account on usaa.com or from a mobile device.
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Travel Benefits: Auto Rental Coverage, Travel Accident Insurance, Trip Cancellation and Interruption Coverage, Baggage Delay and Reimbursement.
Can't find what you are looking for? Submit your question about USAA® Rewards™ American Express® Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
A excellent credit score is needed for the USAA® Rewards™ American Express® Card. But having an adequate credit score won't guarantee your approval. The issuer will also consider your income and any existing debts you might have when looking at your application.
The USAA Rewards Amex minimum payment is the full balance if your balance is under $15 or 1% of your balance plus finance charges and fees if your balance is higher than $15.
You can get instantly approved for the USAA® Rewards™ American Express® Card. The best way to make sure your application is processed as quickly as possible is to apply online.
If the issuer requires more time to review your application, you should receive a decision within 7-10...
The starting credit limit for the USAA® Rewards™ American Express® Card isn't disclosed. Each cardholder's credit limit is determined based on a number of financial factors such as their:
Credit score
Income
Amount of debt
You will find out your exact credit limit once you're approved for a new account.
There's no USAA Rewards Amex daily cash advance limit. You have a monthly cash advance limit though, which is the maximum amount of money you can withdraw using your Amex card, in a billing cycle.
You can find this on your monthly statement so you know when to...
Share your insights and review the USAA® Rewards™ American Express® Card
5
19%
4
59%
3
13%
2
5%
1
5%
3.8
258 reviews
258 reviews
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Steven Donnelly @sjdonnelly
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1 Star Rating
Was in my 6th year as an USAA American Express Card Customer. Always paying my entire balance within the 30 day billing cycle never going over the limit. Not one late payment. Then after paying my bill and receiving multiple messages (email & text alerts) this week stating my credit limit was max and balance due ZERO I attempted to make a purchase and the transaction was declined. According to customer service USAA had put a "systematic" 10 day hold on my card with no explanation further as to any valid reason. I requested to escalate the issue and received the same "vague" information. My payment had been drawn from my banking account and USAA had my money but was freezing my account and did not ever notify me. The customer services reps did not apologize and acted like this was an OK thing to do. At that point I decided to close this account. This card never increases in credit limit and if this is how USAA treats long term customers that served in the US military I want nothing to do with them.
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oladimej @oladimej
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1 Star Rating
RUN! The card takes 2 business days to be made and another 7-10 business to be shipped to you. If you are approved and order the card online, express and expedited shipping is not available. You will have to wait up to two weeks to receive the card. This information is not shared with you until after you approve and request the card to be shipped.
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Temple Davis @Templegriffin
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1 Star Rating
I've had this card 3 years now, never been late, never over charged until just recently my occurred interest pushed me over the limit, my statement comes out the 15th . That very day I went over the limit, they reported this to the credit bureau my credit tanked 28 points. I paid my balance off in full on the 28th (my bill isn't even due until the 9th). Here it is almost 2 months later and they still refuse to report my 0 balance! They tried passing the buck to the credit bureau but duh! How dumb do you think we are? You're company is responsible for reporting!!!! If you are that quick to report someone for going over the limit you should be that quick to report the consumer paying the balance! Be careful I would avoid this card and company! They definitely don't help or care about veterans or military!!
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Michelle Ragins @shellyragins
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1 Star Rating
An absolute scam of a card; very misleading. They say 0% on balances transfers for 18 months, BUT if you make any purchases on top of the transfer - they apply the payments you make to the balance transfer instead of the purchase you made and charge you interest on your new purchases even though you paid off your new purchases within 30 days. Avoid this card!
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Rhonda @teamlauren4eva
Its been my experience that nearly EVERY credit card does this. That's how they trap you by offering differing APRs on purchases and balance transfers(or differing time periods for the 0% promo to expire) and then if you use BOTH you have no control how the payment is allocated so you could be stuck paying interest on purchases indefinitely. I avoid mixing purchases with balance transfers - I try to have separate cards in order to avoid the fuzzy math that nearly all credit cards try to fool you with. This annoying practice is most common when a new balance transfer promo is offered on an existing card - the purchases and the balance transfer APR won't match, and then you are caught in an interest trap.
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Sandra @stgilliam
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5 Star Rating
Verified Customer
Great card from USAA. Used for travel. Great interest rates @ 9.9%. Cash advances and balance transfers are a one time charge of 3% and are charged 9.9 % interest rate. Award program is also very competitive. Can be used for all purchases.
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perenial44 @perenial44
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1 Star Rating
Verified Customer
"USAA internet a discombobulated , disorganised confused mess." From day ONE over a SIX YEAR PERIOD trying to use the internet to conduct transactions through the internet , about every 3 months has required me to after extraordinarily long wait times to contact USAA customer service. Is USAA american express run out Mexico or what. IS ANYONE SOBER BEHIND THE WHEEL at USAA ? "Near non existent customer service" ,[last time I contacted USAA , I talked to 3 different agents, 3 different times having to retrieve a email security code, 1 HOUR 37 MINUTE 9 SECOND HOLD TIME . only to be told USAA is only allowed to credit your account for USAA mistakes one time a year.
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davehuyett @davehuyett
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1 Star Rating
I would select ZERO STARS if I could. The worst credit card offer scam I ever fell for - my bad. I signed up for a good offer from USAA that was in reality too good to be true. The offer was for an extra 15,000 rewards points if I spent $500 in the first 3 months. I did that. Never got the credit. I called and was told it would be resolved within 1 - 2 billing cycles. I waited. Nothing. I called back, sorry sir, we have no record of you signing up for that offer. I called back again. They then responded that my application (submitted weeks before the deadline) had to be approved before 12/31/18. Mine was not approved until 1/3/19. Apparently they can take as long as they like and I have no recourse. Card is now shredded. Account closed.
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Johnny Mata @johnnym27
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1 Star Rating
Do not use it out of the USA to rent a car because you'll be on your own. My card was charged x 3 by an american rental car company after I returned a rented car, I reported it to this bank 3 mos ago and not even temporary credit has been issued while investigating the charges. When call this bank to find out result of the investigation each and every representative I have talked to play stupid and tell you they don't know anything about it and tell you they would write a note but yet when you call the following day, the next representative do not see the note written the day before. Shady business....PS..they would charge interests on the above charges which they are not supposed to while it's under investigation(dispute) no wonder why they wouldn't issue you the temporary credit. Always check your balances and payment deductions.
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TurkishGamer @turkishgamer
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4 Star Rating
I am generally happy with this credit card, but it doesn't really go above an beyond like my other credit card that I have. I would recommend it to others, but with the advice to try to pay everything off every month or else the charges will be a lot. The convenience charges on a few random thing is easily avoidable, so it is something people like me who want to keep a great credit and pay minimum for a credit card go for. The customer service on this is just OK. Not great, but doesn't give you such a hard time either like some companies.
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Mike You @mike.finneh
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5 Star Rating
Really love this card, I initially wanted it for the points. When I got it I was really surprised about how low the apr is. I love cards such as this that I own that offer you things back when you charge. This card overall is a win win. Love that you can redeem certain perks through this card, I don't leave home without this card.
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