The USAA Rewards American Express Card earn 3 USAA Rewards Points per $1 spent on dining and 2 points per $1 spent on both gas and grocery. The card offers special APR benefits for Military members as well a few small travel and purchase protection perks. It has no annual fee and no foreign transaction fee which is great for earning rewards spending internationally. Overall, the USAA Rewards American Express Card is one of the best credit cards along side the USAA Preferred Cash Rewards Visa if you're looking to bank with USAA.
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Rewards Rate Details
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 American Express Card offers special APR benefits as well as mild travel and purchase protection.
- 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
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.