USAA Rewards American Express Card Cash Value Calculator

USAA Rewards AMEX Card

3X Dining
2X Gas
2X Grocery

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The USAA Rewards American Express Card is a good choice for anyone looking to earn a solid rate of return on dining, gas, and groceries. It's the best point earning card out of the 4 USAA Rewards Points earning cards USAA offers. The drawback is that the card earns 1 point per $1 on non-category purchases and there is no 1.5x earning card to combo with the USAA Rewards American Express Card leaving you with a sad return of 1%. Besides that, it's worth considering if you plan on banking with USAA.

USAA Reward Points

USAA Reward Points can be redeemed for airline travel, merchandise, gift cards, cash rewards into your USAA checking or savings account, applied to your account balance, cruise travel rewards and for charitable contributions. The value of these points will vary depending on the redemption. USAA Reward Points will be worth 1 cent each for most redemptions.

Bonus Categories

The USAA Rewards American Express Card features three bonus categories that earn extra points. Those categories are dining, gas, and grocery. There is no limit to the amount of points you can earn with this card. Below are the details on each bonus category featured on the USAA Rewards American Express Card.

3x Dining

Dining purchases on the USAA Rewards American Express Card will earn 3 USAA Reward Points per $1 spent. Dining purchases include both fast food, fine dining establishments, and anything coded as restaurant. This is equal to at least a 3% return which is not too bad. The Barclay Uber Card does a slightly better job in the dining category offering 4% cash back along with featuring 9 additional categories and having no fees. This is the highest earning on dining you can obtain between the USAA Reward Cards.

2x Gas Station

Using the USAA Rewards American Express Card at gas stations will earn 2 USAA Reward Points per $1 spent. These are businesses that are included in a merchant category identified as primarily selling automobile gasoline to consumers, such as Speedway, Shell, and BP gas stations. Earning a 2% return on gas isn't shabby, but there is definitely room for improvement. The USAA Cashback Rewards Plus Credit Card earns 5% back on the first $3,000 in gas purchases per year. That would be the card to pick up if you're looking to max out on gas earnings while sticking to USAA credit cards. Other cards that have good earnings consist of the PNC Cash Rewards Card which earns 4% cash back per $1 spent.

2x Grocery

The USAA Rewards American Express Card earns 2 USAA Reward Points per $1 spent on grocery/supermarket purchases. These are business that are included in a merchant category identified as primarily selling non-wholesale groceries to consumers (such as neighborhood grocery stores and supermarkets). Places such as Costco, Walmart, and Sam's Club are not included in this category. Earning a 2% return on grocery is extremely low. The AMEX Blue Cash Everyday and AMEX Blue Cash Preferred both earn 3% and 6% cash back respectively and are still two of the best cards on the market in terms of supermarket earnings.

1x Non-Category

The USAA Rewards American Express Card earns 1 USAA Reward Point per $1 spent on non-category purchases. This is a low return of 1% and would be better placed on a card that earns a 1.5% or higher return. If you're sticking to USAA Credit Cards, the USAA Preferred Cash Rewards Visa Signature Card earns 1.5% cash back on all purchases. Outside of USAA, there is a plethora of options including the Capital One Quicksilver, Chase Freedom Unlimited, and AMEX Cash Magnet Card.

Perks and Benefits

Military Benefits

As with all the USAA Credit Cards, the USAA Rewards American Express Card holders will receive an extremely reduced APR rate on all balances for up to 12 months during deployments or PCS. Cardholders will also receive a special rate on the balance of the account when the they enter active military duty which will last until one year after they complete active duty.

Sign Up Bonus

The USAA Rewards American Express Card sign up bonus is 2,500 USAA Reward Points after your first purchase. This is equal to about $25 since USAA Reward Points are worth 1 cents each on average. For the USAA Credit Cards that offer sign up bonuses, they all offer 2,500 points so you will not find a higher sign up bonus on their cards.

Credit Card Fees

Fees
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

The USAA Rewards American Express Card does not have an annual fee. You will always get the best value out of your USAA Reward Points when redeeming them.

Authorized User Fee

There is no authorized user fee on the USAA Rewards American Express Card. If you have family and friends that spend in the bonus categories featured on this card, I recommend adding them to maximize your earnings.

Foreign Transaction Fee

The USAA Rewards American Express Card has a 0% foreign transaction fee. This allows you to earn points worldwide wherever AMEX is accepted.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
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0 Cent(s)
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
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Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Options
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Deselect All
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
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Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
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Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
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Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
$0
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
$0
Edit Fees
Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth Fee: -
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
$0
Total Return
The percent you are earning per dollar spent on this card.
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Page Last Updated: 2019-01-01

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.


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