USAA Rewards AMEX Card Calculator

Card Details & USAA Points Calculator
3X Dining
2X Gas
2X Grocery
Military Benefits
Travel & Purchase Protections

The USAA Rewards American Express Card is one of the best point earning cards under the USAA Rewards Program and is a good choice for anyone looking to earn a solid rate of return on dining, gas, and groceries. There's no USAA Point-earning cards to pair it with, but you can use the USAA Preferred Cash Rewards Visa to earn 1.5% cash back on the non-category purchases the USAA Rewards AMEX Card doesn't cover.

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 bonus points you can earn spending in these categories and no limit to the amount of points you can earn with the card overall.

  • 3x Dining
  • 2x Gas Station
  • 2x Grocery
    • Does not include discount stores, wholesale stores, and warehouse clubs (e.g. Walmart, Costco, Sam's Club).
  • 1x Non-Category

Perks & Benefits

The USAA Rewards Card comes with special benefits for military members as well as a few purchase and travel protections.

  • Military Benefits
    • Receive a 4% APR on all balances for up to 12 months during deployments or PCS.
    • Special rate on the balance when entering active military duty; lasts until 1 year after completing active duty.
  • Travel & Purchase Protections
    • Extended Warranty
    • Travel Accident Insurance
    • Baggage Delay Insurance

Sign Up Bonus (SUB)

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.

Fees

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 other rewards card side-by-side by clicking on the Compare A Card button.
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Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Categories
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Options
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.
$0
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User 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 based on spend, benefits, and fees.
$0
Total Return
The percent you are earning based on spend, earnings, and fees.

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