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.
|Authorized User Fee|
|Foreign Transaction Fee|
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
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.
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.
You can use the 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 the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.
Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.