USAA Classic American Express®

Sorry, this offer is no longer available on Credit Karma.
  • Best for members looking to rebuild credit history.                         
  • No foreign transaction fees when you travel outside the United States.                                                                                  
  • Consistent, on-time payments could improve your credit rating.                         
Annual Fee:
$35
Purchase Intro APR:
N/A
Purchase Regular APR:
18.65% - 24.65%*
Variable
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
18.65% - 24.65%*
Variable

Details, Rates & Fees

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* 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 18.65% - 24.65%* 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

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
iwork4pepsi
Excellent for building/rebuilding credit
by iwork4pepsi
Helpful to 2 out of 2

Got rid of all my debt a few years ago. No credit cards, car payments, mortgage.  Wanted to get a new credit card as I've recently started traveling and needed to rent a car and make hotel reservations.I applied for a visa through USAA, and got one, but it only had a $500 credit limit. A few months later I applied for the American Express offered by USAA and received the card with a $1000 credit limit. Great bank! I've been a member or over 10 years. I also carry auto insurance with them.

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
y2kbadbug
Shouldn't even exist
by y2kbadbug

Honestly, with how many cards USAA offers this is just the bad credit credit card they pawn on you.  I wouldn't be so dissatisfied if it wasn't for the fact that there is no way to upgrade the card.  You're better off getting a credit card like the Platinum card from Capital One.


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† 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 2017 through November 2017. 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.

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