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Apply online for USAA Rewards™ American Express® Card
About Our Ratings
Credit Needed
Excellent, Good

USAA Rewards™ American Express® Card Review

Pros & Cons

  • The points cardholders accumulate with this card are redeemable in a variety of ways including as cash back or donations to military affiliate groups.
  • There’s no need to meet a spending threshold to take advantage of the intro bonus offer – you'll earn 2,500 bonus points with your first purchase regardless the amount.
  • This card offers a super-low 4 percent APR on card balances held at the time the cardholder enters active duty and for 12 months after completing active duty.
  • Many of the card benefits are geared toward members of the military serving in active duty or who are deployed. If you aren’t active duty military, there are cards that offer higher rewards and more lucrative sign-up bonuses.

Top Features

Rewards
Earn 2X points per dollar spent on gas and groceries with no caps. Earn one point for every dollar spent on your everyday purchases.
Bonus Rewards
2,500 bonus points with your first purchase.
Purchase APR
10.90% to 26.90% Variable
Annual Fee
$0

Full Review

Amber Stubbs Managing Editor
American Express is a CardRatings.com advertiser
This page was last updated on November 20, 2017

This card compared to other reward cards

Rewards
Earn 2X points per dollar spent on gas and groceries with no caps. Earn one point for every dollar spent on your everyday purchases.
1.5x Miles per dollar on all purchases
2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide
Bonus Rewards
2,500 bonus points with your first purchase.
We'll match all the Miles you've earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards(R)
Purchase APR
10.90% to 26.90% Variable
11.99% - 23.99% Variable 
16.99% - 23.99% Variable 
Annual Fee
$0
$0
$0 Intro for the First Year. Then $95
Rates and Fees
CardRatings.com Editorial Staff

USAA Rewards™ American Express® Card details

Rewards
Earn 2X points per dollar spent on gas and groceries with no caps. Earn one point for every dollar spent on your everyday purchases.
Bonus Rewards
2,500 bonus points
with your first purchase.
Purchase Intro
APR:
N/A
Purchase APR
10.90% to 26.90% Variable
Annual Fee
$0

What USAA says about this card

  • Earn one point for every dollar spent on your everyday purchases.
  • Earn 2X points per dollar on gas and groceries with no caps.
  • Get 2,500 bonus points with your first purchase.
  • Redeem points for cash, merchandise, gift cards and more.
  • USAA membership is available to active and former military and their eligible family members
  • Use of the term “member” or “membership” refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change. To join USAA, separated military personnel must have received a discharge type of Honorable. Eligible former dependents of USAA members may join USAA.

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Highlighted offers
Currently available on the USAA Rewards™ American Express® Card
2,500 bonus points
With your first purchase.

Start Here

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Apply online for Discover it® Miles

Discover it® Miles

  • We'll match all the Miles you've earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.
  • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • New! Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No Annual Fee.
Credit Needed:
Excellent, Good
Apply online for Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Credit Needed:
Excellent/Good