USAA Rewards™ American Express® Card


For People with
Good Credit

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

Card Quick Facts

Card Quick Facts

  • Earn one point for every dollar spent on your everyday purchases.
  • Earn 2X points per dollar on gas and groceries with no caps.
  • Get 2,500 bonus points with your first purchase.
  • Redeem points for cash, merchandise, gift cards and more.

For People with
Good Credit

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

  • Earn 3X points per dollar on dining with no caps.
  • Earn 2X points per dollar on gas and groceries with no caps.
  • Earn 1X point 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
How to Redeem

Introductory Bonus

  • 2,500 bonus points just for making your first purchase
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 11.90%–27.90% Variable
Intro Purchase APR N/A for N/A
Foreign Transaction Fee None
Chip Technology Chip-and-Signature & Chip-and-PIN
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR None
Late Fee Up to $35
Returned Payment Fee Up to $35
Balance Transfers

Balance Transfers

Intro Balance Transfer APR N/A for N/A
Regular Balance Transfer APR 11.90%–27.90% Variable
Balance Transfer Fee 3%, $200 maximum
Cash Advances

Cash Advances

Cash Advance APR 11.90%–27.90% Variable
Cash Advance Fee 3%, $200 maximum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

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