USAA Rewards™ American Express®

APPLY NOW
  • Earn up to 2.25% cash back on gas and grocery purchases.
  • Earn up to 1.25% cash back for all other purchases.
  • Enjoy variable rates as low as 10.15% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the Prime Rate.
  • No caps or limits on the amount you can earn.
  • Your cash rebate is awarded every January for the purchases made the previous 12 months.
  • No annual fee and no minimum finance charge.
  • Before starting your application, USAA will ask you a few questions to establish your online access and eligibility with USAA.
  • If you are not eligible, USAA credit cards and other products may still be available.
Annual Fee:
$0
Purchase Intro APR:
N/A
Purchase Regular APR:
10.15% - 26.15%*
Variable
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
10.15% - 26.15%*
Variable

Details, Rates & Fees

Click here for Additional Details

(Will launch in a new browser window)

* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 10.15% - 26.15%* Variable
Cash Advance Fee 3%
Late Fee Up to $35
Penalty APR None
Balance Transfer Fee 3%
Foreign Transaction Fee None
Return Payment Fee Up to $35

Rewards

All Purchases

1.25% cash back per dollar

No cap on spending

Gas

2.25% cash back per dollar

Earn up to 2.25% cash back on gas and grocery purchases.

Groceries

2.25% cash back per dollar

Earn up to 2.25% cash back on gas and grocery purchases.


Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
awol949
USAA AMEX
by awol949
Helpful to 70 out of 72

This card is awesome. I was able to get bumped up to a 13.5k limit.

Customer service is the best in class. They really take pride at what they do at USAA and the employees are top notch.

Also, did you know that if you have a any credit card with USAA, if you are late on a payment. They DO NOT report a delinquent payments until 60 days past due.. Awesome company.. They really set tha bar for sure.

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
AMEXHater1
amex
by AMEXHater1
Helpful to 6 out of 31

I loathe Amex. They arent even an American Company anymore. Their customer service it terrible, and outsourced to a foreign and I cant even understand what they are talking about. I paid them off, and cut up my card, I suggest you do the same. 

They have lost their repution when they started selling prepaid cards at Walmart. They did this because they are finacially in trouble.  


Similar Offers

† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from June 2016 through November 2016. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

My Saved Cards
Title
Welcome to My Saved Cards
Save and compare credit cards to find the best fit for you. All you need to do is find cards you like and check the Compare This Card box. When you’re ready to review, click the compare button that appears in this menu.