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USAA Rewards™ American Express® Card

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If you’re a military member, the USAA Rewards American Express Card may give you better rates than you’ll find elsewhere. You’ll earn 3X points per dollar on dining, 2X points on gas and groceries, and 1X point everywhere else. You’ll also get a handful of shopping and travel protections, along with no foreign transaction fees.

Our rating
Min. credit level: Good
Annual Fee: $0
Regular APR: 9.90%–25.90% Variable

USAA Rewards™ American Express® Card

Our rating
Good Min. credit level
$0 Annual Fee
Apply Now Read Our Review

Highlights & Features


Spending Rewards
  • 3X points per dollar on Dining
  • 2X points per dollar on:
    • Gas
    • Groceries
  • 1X point per dollar on all other purchases
Introductory Bonus
  • 2,500 bonus points after making your first purchase

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR 9.90%–25.90% Variable
Balance Transfer Fee 3%
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee Up to $35
Returned Payment Fee Up to $35
Additional Cards Annual Fee N/A
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 9.90%–25.90% Variable
Cash Advance Fee 3%
How to Get a Cash Advance with a Credit Card

Card Benefits

  • Concierge Service
  • Zero Liability on Unauthorized Charges
  • Extended Warranty Protection
  • No Foreign Transaction Fee
  • Auto Rental Insurance
  • Emergency Travel Assistance
  • Trip Interruption Insurance
  • Baggage Delay Insurance
  • Travel Accident Insurance
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

USAA Savings

USAA Savings has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-531-8722 or

Try a different phone number
See all Issuer Cards

With the USAA Rewards™ American Express® card, you can get great rewards just for using the card on everyday purchases, like gas and groceries.

This card has no annual or foreign transaction fees.

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