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USAA Cash Rewards American Express® Card

USAA Cash Rewards American Express® Card


Rated 4/5 stars by our editorial team

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  • APR 10.15% to 26.15%
  • Balance Transfer APR 10.15% to 26.15%
  • Cash Advance APR 10.15% to 26.15%
  • Penalty APR None
  • Annual Fee None
  • Cash Advance Fee 3% of the amount of each cash advance (maximum fee for each convenience check: $200)
  • Balance Transfer Fee 3% of the amount of each transfer (maximum fee per transfer $200)
  • Foreign Exchange Fee None
  • Rewards Details Up to 2.25% cash back on gas and grocery purchases, and up to 1.25% back on your everyday purchases


  • Click "APPLY NOW" to apply online
  • Earn up to 2.25% cash back on gas and grocery purchases.
  • Earn up to 1.25% cash back on your everyday purchases.
  • There's no limit on the amount you can earn.
  • Redeem your cash rewards anytime using your mobile device or computer.
  • Enjoy no foreign transaction fees when you travel outside of the United States.
  • Concierge services to assist with whatever you need, whenever you need it.
  • Collision damage waiver coverage pays for physical damage and theft to most rental vehicles.
  • Identity theft resolutions services provides assistance should you become the victim of identity theft.
  • Extended warranty extends your manufacturers or U.S. store brand warranties for up to one year.

Expert Reviews

From the Editorial Team

This credit card comes with a nice cash back rewards program and a number unique perks that cardholders will love. You can earn up to 1.25% cash back on all purchases, plus up to 2.25% cash back on gas and groceries. The APR is the same for purchases, balance transfers, and even cash advances and there is a flat 3% fee for balance transfer and cash advances. There is no penalty APR as well as no annual fee and no foreign transaction fees.

Expert Reviews of the USAA Cash Rewards American Express® Card

  • 4.0

    Regular APR

  • 0.0

    Intro APR

  • 5.0


  • 3.0


  • star rating 4.0/5

    Overall Rating

The Bottom Line

For military members, this is a generous cash back credit card that will earn you rewards on every purchase and has consistent rates and fees so you won't be hit with any suprises.

The Good

If you spend a lot on gas and groceries, this can be a great card to carry. Also, your interest rate with this credit card can be as low as 10.15%, and there's no penalty APR if you happen to miss a payment.

The Not So Good

Since this card is from USAA, not everyone will be eligible. 

Disclaimer: This content is not provided by the card issuer. Any opinions, analyses, reviews or recommendations on this page have not been reviewed, approved or otherwise endorsed by the card issuer. Terms, offers, conditions and rates were correct at the time of writing but may have changed since and not been updated on this page. For up-to-date terms, offers, rates and conditions, please see the issuer’s site.

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