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USAA Rewards™ American Express® Card

USAA Rewards™ American Express® Card

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Rated 4/5 stars by our editorial team

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Over the Past 60 Days!

(0) Over the Past 60 Days!

  • Regular Purchase APR 11.40% - 27.40% Variable
  • Intro Purchase APR N/A
  • Intro BT APR N/A
  • Annual Fee $0
  • Credit Needed

    Excellent/Good

  • Card Brand American Express

Card Details

Highlights

  • Click "APPLY NOW" to apply online
  • Earn 3X points per dollar spent on dining
  • Earn 2X points per dollar spent on gas and groceries
  • Earn 1X point for every dollar spent on all other purchases
  • Get 2,500 bonus points with your first purchase

Card Fees

Foreign Transaction Fee None

Balance Transfer Fee 3% on balance transfers and cash advances; $200 maximum

Cash Advance Fee 3% on balance transfers and cash advances; $200 maximum

Penalty APR None

Ongoing Information

Rewards Rate Earn 3X points per dollar spent on dining, 2X points per dollar spent on gas and groceries, 1X point for every dollar spent on all other purchases

Annual Fee $0

Additional Card Details

$0 Fraud Liability Yes

Auto Rental Insurance Yes

Extended Warranty Program Yes

Roadside Assistance No

Purchase Protection Yes

Travel Assistance Yes

Flight Accident Insurance Yes

Lost Luggage Reimbursement Yes

Concierge Service Yes

Expert Reviews

From the CompareCards.com Editorial Team

The USAA Rewards™ American Express® Card is a great rewards card for anyone that spends a lot on dining, gas, and groceries. This card comes with a generous rewards rate that allows you to earn 3x points per dollar spent on dining, 2x points per dollar spent on gas and groceries, 1x point for every dollar spent on all other purchases. 
 
Unlike many other rewards cards, there is no limit to the number of points you can earn. You'll also get a nice boost to your rewards when you get 2,500 bonus points with your first purchase. 
 
To top it off, this card comes with $0 annual fee, no penalty rate, and no foreign transaction fees. There's no intro APR with this card, but the ongoing APR for purchases and balance transfer can be competitively low with 11.40% - 27.40% Variable.

Expert Reviews of the USAA Rewards™ American Express® Card

  • 4.0

    Regular APR

  • 0.0

    Intro APR

  • 4.0

    Fees

  • 4.0

    Benefits

  • star rating 4.0/5

    Overall Rating

The Bottom Line

The USAA Rewards™ American Express® Card is a simple rewards cards that comes with a high rewards rate in certain categories. If you already spend money on dining, gas, and groceries, this card could be a great fit for you.

The Good

There's no cap on the number of points you can earn, which is a rare features for $0 annual fee cards that offer up to 3x points.

The Not so Good

There's no intro APR, and the sign up bonus is pretty low compared to some of the competing offers.

Editorial Note: This content is not provided by USAA . Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by USAA .

Consumer Reviews

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