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USAA Cash Rewards® American Express® Credit Card


February 14, 2020
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USAA has a solid track record in customer satisfaction and this card is a fine example. This financial product gives you easy access to cash back up to 5% as well as a bevy of other competitive benefits like low-interest rates and no annual fee. You can also avoid interest thanks to a 3-week new charge grace period.

ANNUAL FEE:

$0*

ONGOING APR:

See Terms (Variable)*

INTRO APR:

N/A

355 User Ratings USAA Cash Rewards® American Express® Credit Card

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Intro APR
N/A
Intro APR Period
N/A
Min. Credit Level
Good*

Card Details


  • No annual fee and no minimum finance charge.
  • 5% cash back on your first $3,000 in a combined gas station and military base purchases yearly
  • 2% cashback on your first $3,000 in grocery purchases yearly
  • Unlimited 1% cashback on all other purchases
  • There's no limit to the amount you can earn.
  • Enjoy no foreign transaction fees when you travel outside of the United States.
$ 0 2020-09-26 Discontinued

Expert Review


We do not offer an application for this card. Check other credit cards available for application. With this cash-based rewards credit card from USAA you will earn as much as 5% cash back on gas and military purchases, up to 2% cash back on groceries and 1% on everything else. Competitive interest rates on standard purchases, balance transfers, and cash advances and the absence of a ...

We do not offer an application for this card. Check other credit cards available for application.

With this cash-based rewards credit card from USAA you will earn as much as 5% cash back on gas and military purchases, up to 2% cash back on groceries and 1% on everything else. Competitive interest rates on standard purchases, balance transfers, and cash advances and the absence of a minimum finance charge round out the everyday benefits.

These are not the only things that will save you money, though. For instance, you can also avoid paying interest charges when you pay off new charges in full within 25-days of the closing date. That gives you 3-weeeks to pay off new balances. Reasonable transaction fees and penalty fees keep this card in direct competition with other, more complicated credit cards currently in circulation within the industry.

Alternatives: USAA Cashback Rewards World Mastercard® Card, USAA Cashback Rewards Visa® Signature Card.


Advantages

  • Free rewards program
  • No annual fee
  • No International transaction Fees

Disadvantages

  • No Bonus rewards

Basic Info

Card Issuer:
USAA Bank
Card Network:
American Express®
Card Category:
Consumer (Regular)
Common Uses:
  • Co-Branded Cards
  • Instant Decision
  • Low Interest Cards
  • No Foreign Transaction Fee
  • Military Credit Cards
Rewards Card:
Yes
Reward Types:
  • Cash Back Reward Cards
  • Gas Reward Cards
  • Grocery Reward Cards
Reward Units:
Cash
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Finance & Rates

Introductory APR (%):
N/A
Applied Towards:
N/A
Intro Period:
N/A
Regular APR:
See Terms
Regular APR Type:
Variable*
Annual Fee:
$0*
Balance Transfer:
Yes*
APR on Cash Advances:
N/A
Grace Period:
25 days*
Late Payment Fee:
$35*
Understanding cards finance, terms and common credit cards rates can be complicated. We can help.

USAA Cash Rewards® American Express® Credit Card - Alternatives & Comparison



Additional Information & Comments

* - Credit Needed: Excellent 740+ & Good 700-739 (Check your Credit Score)
** - There is a transaction fee of 3% on balance transfers and cash advances ($200 maximum on each balance transfer and each convenience check). Cash Advance Fee is waived when you transfer funds electronically from your USAA credit card to your USAA Bank deposit account. The APR will vary with the market based on the Prime Rate.



Non-Affiliate Offer Disclosure
*The information provided for USAA Cash Rewards® American Express® Credit Card is believed to be accurate at the time of evaluation and has been collected independently by Market Pro Secure®. The card issuer did not provide the details, nor is it responsible for their accuracy.
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Min. Credit Required: Good*
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