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USAA Rewards American Express Card Review
The USAA® Rewards™ American Express® Card gives you three points per dollar spent on dining, two points per dollar on gas and grocery purchases, and one point per dollar for all other purchases. The card does not charge an annual fee or a foreign transaction fee, but a late payment or returned payment fee of up to $35 may apply. New cardholders can get a 15-month introductory APR on balance transfers and 2,500 bonus points after your first purchase with the card.
- Issuer NameUSAA
- Credit NeededGood/Excellent
- Annual Fee$0
- APR14.90% to 30.90%
- Balance Transfer Fee3% of the amount of each transfer
- Cash Advance Fee3% of the amount of each cash advance
- Don’t want to pay an annual fee.
- Frequently spend in the card’s bonus categories.
- Qualify for USAA membership.
The USAA® Rewards™ American Express® Card has a high earning rate on everyday spending categories including dining, groceries and gas stations, but only earns one point per dollar spent on all other purchases. It’s a good idea to use this card for purchases that earn bonus points.
The USAA® Rewards™ American Express® Card also has a slew of benefits you should take advantage of, including auto rental coverage, travel accident insurance, baggage delay and reimbursement, and trip cancellation and interruption coverage.
Editor’s Take
The USAA® Rewards™ American Express® Card can be a good choice if you qualify for USAA membership through military affiliation or a family member. With no annual fee, it has almost no risk to carry and offers a good rewards rate in everyday purchase categories. However, you’ll only earn one point per dollar spent on non-bonus purchases and need to be a USAA member to qualify.
Consider pairing this card with a flat-rate rewards credit card that’ll earn you more than one point per dollar spent on purchases outside the bonus categories. With the Wells Fargo Active Cash® Card, you can earn unlimited 2% cash rewards on purchases and enjoy 0% intro APR for 15 months from account opening.
The USAA® Rewards™ American Express® Card offers 2,500 bonus points after your first purchase with the card.
Since you earn three points per dollar on dining, two points per dollar on purchases of gas or groceries and one point per dollar for all other purchases with the USAA® Rewards™ American Express® Card, you should use this card for dining, gas and grocery purchases to maximize your benefits.
Points earned don’t expire and can be redeemed through the USAA Rewards Center, where redemption options include travel rewards, gift cards or statement credit.
U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.
Best in Balance Transfer Credit Cards
The information for the Bank of America® Customized Cash Rewards credit card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.
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