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%APR254Reviews15Q&AContact
RewardsAPREditor ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit
Annual Fee
$0
Rewards
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
Earn up to 20,000 bonus points ($200 cash value). Earn 17,500 bonus points after spending $1,000 on Qualifying Purchases in the first 90 days of account opening. This is in addition to the 2,500 bonus points after your first Qualifying Purchase
Redeem points for cash, merchandise, gift cards and more.
APR on Purchases
10.15% - 26.15% (V)
Balance Transfer
0% intro APR for 15 months, 10.15% - 26.15% (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 254 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 within 90 days 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.
Don't see what you're 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.
Find the “Payments” on the account home page and then select “AutoPay.”
Enter your bank account routing number and account number. This is the account from which USAA will deduct your payment each month.
Select your payment amount. Choose from the minimum amount due, the current balance, the statement balance, or a customized amount that is more than the minimum payment.
You should always make sure your bank account has enough funds for the payment a few days before the due date, to be safe. And once you're in enrolled in automatic payments, don't forget to review your recent transactions regularly.
You can add a USAA® Rewards™ American Express® Card authorized user by logging in to your online account and clicking the "Account Services" tab, or call customer service at (800) 531-8722. You will need to provide their full name, USAA number, Social Security number, citizenship and date of birth... show more
Share your insights and review the USAA® Rewards™ American Express® Card
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20%
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3.8
254 reviews
254 reviews
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Simon Barron @simon.barron.127
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5 Star Rating
One of the first things I did after joining the military was sign up for USAA and try to get a credit card because I knew I needed to start building my credit. The help desk pointed me in the direction of this card, and I'm so glad they did. They have an impressively low APR on this card (and any other card from USAA in general) and they are always there for you if you need assistance of have question about your card. This card has made the difference for me and deciding if I should stick with USAA and I would definitely recommend this card to anyone who has access to it!
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JeffreyandKylie Tuscany @jeffreyandkylie.tuscany
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5 Star Rating
I have USAA for my military banking. As a a new person in the military I got this card a few years ago because I needed one to build my credit. This credit card is great and it is a good way to boost up your credit. The rewards program is good to have because it can get you extra dollars or a little bit extra savings you can use toward other things. They have low APR and I was surprised at how low I had. They work with you to the best of their ability. I truly recommend this card to any new users that want to build their credit!
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Leisa Corwell @leisac1
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5 Star Rating
I originally joined USAA for a convenient way to do my banking. When I found out about this card, I was surprised. It has a low APR. It has awesome rewards, and you can even choose between points and cash back. This card has no annual fee, which is awesome. I definitely recommend this card to all my buddies who have an account with USAA. The only drawback of this card is you have to have an excellent credit rating. If you've been less than diligent with your credit, you probably shouldn't even bother applying for this card. I've never had any issues with this card at all. I would definitely choose this one again if I needed a new credit card.
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Seymour Stolley @seymours2
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4 Star Rating
I joined USAA in 2004 for car insurance. Then, I started banking with them, too. A few years ago I opened an American Express Cash Rewards card with USAA because I liked all their other services. They have great customer service. I have never had a problem with my card. I receive a new card in the mail before my old one expires, activating it through my online banking account is very easy, and I'm a big fan of the cash back at the end of every year. In fact, I've started using it more, rather than my lower interest rate credit card, for the end of year rewards perks. However, I only use it to the point at which I'm able to pay it off each month, because the one thing that hasn't changed is my interest rate. That is the only downside. Though I have maintained good credit, my interest rate for this card has not lowered.
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Sage Kirklen @sagek_1
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5 Star Rating
I have been using USAA for quite some time, and I tried to apply for a credit card a few years back, but did not get approved. I think it's pretty difficult to get credit with their bank. You need to have great credit.
Now that I do have great credit after years of repairing, I finally got approved for an USAA American Express. I love the rewards, and I earn money back all the time. I like that I can choose to redeem the points I earn towards gift cards, or just put the money back on my card. I recommend this card and bank to anyone that is looking for a great credit card.
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Andy Kova @andy.kova.3
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3 Star Rating
I've been with USAA for 6 years. USAA's service has always been amazing, and I couldn't ask for a more cooperative group.
That said, I am unfortunately less than impressed by this particular credit card. The rewards are quite lackluster compared to similar offerings. Since I don't fly or stay in hotels very often, American Express is not exactly the best card for my situation.
Again, on the other hand, there is no fee, and approval was easy. I am very pleased to have this card with USAA and not any other company. It truly makes having this card more worth it.
Overall, I appreciate the card, but I wish I had a different one.
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Chase Patterson @Chase.R.Patterson
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5 Star Rating
I have been with USAA for about 4 years and have loved every moment of it. I have multiple USAA accounts including their American Express card. Logging onto their dashboard online to make payments is quick, easy, and painless. There is no hassle and the statements are all delivered electronically. If for any reason I have had to contact customer care concerning the credit card, I have been met with some of the nicest most caring customer care representatives that I have ever had the pleasure of speaking with. I would highly recommend this card to anyone looking for accessible payment options, low rates, and amazing customer support.
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Ryan Simmons @ryan.simmons.372661
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3 Star Rating
I have been a member of USAA for 16 years and have a used a multitude of their products(mortgages, loans, bank accounts, insurance, etc.) and all of there products have been top rate. With that said I have to say that there American express card leaves something to be desired. Don't get me wrong it does everything that it should like no fee's, decent interest rate, the ability to carry a balance and top notch customer service that comes with all USAA products. Where it fails is in its reward offering which is currently.45%. With a little searching it would not be hard to find a American Express offering that offers way more value in terms of rewards in either cash back or miles/points. So I would say unless you are like me and value having all your products under one house and are a loyal USAA costumer I would say you can find more bang for you buck elsewhere.
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Nathaniel King @nathaniel.king.581
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4 Star Rating
I love USAA but overall I am disappointed by their American Express card.
The Pros: It's one of the few ways to get an American Express card without going directly through American Express.
No annual fee.
The concierge service, the included extended warranties and insurance and overall consumer protection provided by American Express can not be beat by any other no fee credit card offered by Visa or MasterCard.
The Cons: The reward program is horrible. There are many other no-fee credit card offerings that give better cash back rewards and if you use the card often there are many other American Express offerings that work out to be a better deal, even if there is an annual fee.
Sometimes USAA delays credits to my account even when paying directly from my USAA checking.
Overall it's an ok card. If you really want an American Express card but don't plan to use it a lot it's not a bad choice. If you plan to use the card often and want to maximize your cash back rewards, look elsewhere.
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Mike Jarrett @mike.jarrett.142
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3 Star Rating
This USAA American Express credit card is the only American Express card I own. It allows me to pay off the entire balance every month or carry a balance. The rewards program is something that could be improved on though. Currently, it only offers.45% for the first $5,000 spent every year. Since I don't come close to spending that much money on this card, the rewards are usually pretty small. Also, this card only allows you to redeem the cash you've earned in January instead of offering you a choice as to when you can redeem what you've earned for cash.
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