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Apply online for USAA® Rewards™ American Express® Card

USAA® Rewards™ American Express® Card Review

Good - Excellent

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What USAA says about this card

Apply online for USAA® Rewards™ American Express® Card
  • Earn 3X points per dollar spent on dining
  • Earn 2X points per dollar spent on gas and groceries
  • Earn 1X points for every dollar spent on all other purchases
  • 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
  • Special Benefits for Military: Deployment/PCS rate: Get 4% APR on all balances for up to 12 months during deployment or PCS. After 12 months, the variable Regular APR, currently between 12.15% - 28.15%, will apply. This rate will vary with the market based on the prime rate. Special 4% SCRA rate: When you have a balance on your account at the time you enter active military duty, get 4% APR on that existing balance until one year after you complete active duty.
  • Security Benefits: Chip card technology has added security when used at a chip-enabled terminal and greater acceptance worldwide. Zero liability coverage for unauthorized transactions if your card is lost or stolen. Collision damage waiver coverage pays for physical damage and theft to most rental vehicles. Get account balances and transaction history by sending a text message. Access your account on usaa.com or from a mobile device.

By Amber Stubbs Managing Editor  Updated Jan 31, 2019

American Express is a CardRatings.com advertiser

Top Features

Rewards
Earn 3X points per dollar spent on dining with no caps. Earn 2X points per dollar spent on gas and groceries with no caps. Earn 1X point for every dollar spent on all other purchases.
Bonus Rewards
2,500 bonus points with your first purchase.
Annual Fee
$0

CardRatings Editor's Analysis: 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.

USAA® Rewards™ American Express® Card compared to other reward cards

Card Name
Rewards
Bonus Rewards
Annual Fee
Ratings/Apply
Earn 3X points per dollar spent on dining with no caps. Earn 2X points per dollar spent on gas and groceries with no caps. Earn 1X point for every dollar spent on all other purchases.
2,500 bonus points with your first purchase.
$0
The Platinum Card® from American Express
Apply online for The Platinum Card® from American Express
5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel. 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
Earn 60,000 Membership Rewards® after you use your new Card to make $5,000 in purchases in your first 3 months.
$550
Apply Now
Terms and Limitations Apply
Chase Sapphire Preferred® Card
Apply online for Chase Sapphire Preferred® Card
2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
$95

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