USAA® Rewards™ American Express® Card Reviews

USAA® Rewards™ American Express® Card Reviews
Approval Odds

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3.3 out of 5 stars
3 Reviews

From Cardholders in the last year

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ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL

Application Process

5 out of 5 stars

Customer Service

4.5 out of 5 stars

3.5 5

Card Details

  • Balance Transfer Intro APR Not Applicable
  • Balance Transfer Regular APR 11.65% - 27.65%* Variable
  • Annual Fee $0
  • Purchase Intro APR Not Applicable
  • Purchase Regular APR 11.65% - 27.65%* Variable
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These reviews were written by current and former cardholders in the last year.

Nov 11, 2019
So far, so good
Marinex2 Cardholder

App process was easy enough, payment process was fast and also easy enough, only took two days to process before payment posted. I used another account not associated with USAA to make payments and have had no issues at all... CS associate/person was polite, professional at all times. Expect this card will do all I want/need it too.

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Jan 24, 2019
Great rewards
Usaamember Cardholder

Great rewards rates for restaurants and gas/groceries. 

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Sep 09, 2019

,

 
Nov 18, 2018
Don't do it
LarkBea Cardholder

Unless you're willing to deal with a company that holds your credit card payments for up to 10 days.  Get an American Express card directly from American Express instead.  USAA's payment hold policies are awful and violate the federal Truth in Lending Act.  7 to 10 day holds for payments to reflect is unacceptable, artificially increases credit utilization as reported to the bureaus as well as makes your CL inaccessible.  No other credit card issuer I know of holds payments that long.  The only response from customer service is to read the fine print regarding how long they "can" hold a payment or a recommendation to change banks to USAA for faster payment processing (which does not work). 

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May 16, 2019

Is not in violation of TILA, know your agreements before you slander. Reviewers please disregard this inaccurate review.

 
May 17, 2019

First of all, slander is the spoken word, libel is written. That said, the gold standard defense against either is truth. It IS a violation of the Truth in Lending Act to hold credit card payments. There are three types of administrative holds, authorization, late payment and over the credit limit. USAA's policy is completely arbitrary as it involves only the consumer attempting to make a payment on a card that is current which should take, at maximum, 3 business days. Reviewers, please disregard Matthew's completely inaccurate statements. It's glaringly apparent he's a USAA shill.

 
Nov 11, 2019

Stupid is as stupid does.

 
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‡ Average score refers to the arithmetic mean and typical low score to the 5th 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 2014 through November 2014. 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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USAA® Rewards™ American Express® Card Reviews

USAA® Rewards™ American Express® Card