dcsimg

Our credit card articles, reviews and ratings maintain strict editorial integrity; however we may be compensated when you click on or are approved for offers from our partners. How we make money.

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

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 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.
Regular APR
12.15% - 28.15% Variable
Annual Fee
$0

Full Review

Amber Stubbs Managing Editor
American Express is a CardRatings.com advertiser
This page was last updated on January 31, 2019

This card compared to other reward cards

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.
Earn 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member
Earn 2 miles per $1 spent at restaurants, on hotel stays and on purchases from United. 1 mile per $1 spent on all other purchases
Bonus Rewards
2,500 bonus points with your first purchase.
Earn up to 50,000 Bonus Points - 25,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening. Plus an additional 25,000 Bonus Points after you spend a total of $6,000 on purchases within the first 6 months of account opening.
Earn 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open
Regular APR
12.15% - 28.15% Variable
18.24% - 25.24% Variable 
18.24% - 25.24% Variable 
Annual Fee
$0
$95
$95
Rates and Fees
CardRatings.com Editorial Staff

USAA® Rewards™ American Express® Card details

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.
Purchase Intro
APR:
N/A
Regular APR
12.15% - 28.15% Variable
Annual Fee
$0

What USAA says about this 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.

Credit Card Consumer Reviews:

  1. No reviews available for this card.   Be the first to review!

Write Consumer Reviews:





E-Mail will not be published









Highlighted offers
Currently available on the USAA® Rewards™ American Express® Card
2,500 bonus points
With your first purchase.
FIND THE
BEST CARD
FOR YOU
Select Your Credit Score:
(Ok to Guess)
Excellent
(720-850)
Good
(690-719)
Fair
(630-689)
Bad
(350-629)
None/Limited I don't Know
Apply online for The World Of Hyatt Credit Card

The World Of Hyatt Credit Card

  • Earn up to 50,000 Bonus Points - 25,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn an additional 25,000 Bonus Points after you spend a total of $6,000 on purchases within the first 6 months of account opening - free nights start at 5,000 points
  • Receive 1 free night every year after your cardmember anniversary at any Category 1-4 Hyatt hotel or resort
  • Earn an extra free night at any Category 1-4 Hyatt hotel or resort if you spend $15,000 during your cardmember anniversary year
  • Get automatic World of Hyatt Elite status for as long as your account is open and 5 qualifying night credits toward your next tier status every year
  • Earn 2 qualifying night credits towards your next tier status every time you spend $5,000 on your card
  • Earn 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member
  • Plus, earn 2 Bonus Points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
Credit Needed:
Excellent, Good
Apply online for United℠ Explorer Card

United℠ Explorer Card

  • 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open
  • $0 introductory annual fee for the first year, then $95.
  • Earn 2 miles per $1 spent at restaurants and on hotel stays
  • Up to $100 Global Entry or TSA Pre✔® Fee Credit
  • 25% back on United inflight purchases
  • Check your first bag for free (a savings of up to $120 per roundtrip) when you use your Card to purchase your ticket
  • Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
  • Earn 2 miles per $1 spent on purchases from United, and 1 mile per $1 spent on all other purchases
Credit Needed:
Excellent, Good