USAA Classic American Express®

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  • 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
Anonymous
by Anonymous
Helpful to 10 out of 11

I have awful credit. My Equifax is 599 and transunion doesn't even register a score. I've made mistakes as a young kid (one credit card and one checking account I went negative in are in collections still. I was 19 and stupid. Have paid the checking but not the old card.) I had applied for two other cards from citi and chase and was denied. This card was the last step before having to get a secured card. We have been usaa members for the last three years and have never went negative or had any problems so I guess they take that into consideration. They approved me automatically for $500! I'm so happy they're giving me a chance to build my credit. Hopefully in a year I can get bumped up to a rewards card and with a lower interest rate (24%). 

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
Anonymous
good card
by Anonymous
Helpful to 1 out of 4

read everything


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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 November 2016 through April 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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