Last updated: 5/6/2021

USAA Rewards American Express

Earns: USAA Rewards

GigaTake:

Considering there is no annual fee, this card offers some good multiplers for USAA members. 3x on Dining is very good and 2x on Gas and Groceries help round it out to be a pretty good option for many people.

Here’s how much you would earn with this card

(Based on spending from {{earliestTransactionDate | date}} through {{latestTransactionDate | date}})

You could earn Worth Plus Welcome Bonus Total
{{totalPointsYouCouldEarn | number}} USAA Rewards
per year
${{totalPointsYouCouldEarnValue | number}} {{welcomeBonus | number}} points
worth ${{welcomeBonusValue | number}}
${{totalValueToUser | number}}

How’d we figure that out?

${{totalAmount | number}} =

{{totalAmount | number}} =

${{annualFeeAmount | number}}Annual Fee

${{basePointsAmount | number}} All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x)

${{merchantBonusAmount | number}}{{ merchantsBonusLabels | commaSeparate }} ({{merchantsBonusAmounts[0].multiplier}}%x)

${{categoryBonusAmount.bonus | number}}{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)

${{categoryDiscount.discount | number}}{{categoryDiscount.category}} Credit

${{merchantCreditAmount | number}}Merchant Discounts

${{welcomeBonusAmount | number}}Welcome Bonus


Annual Fee${{annualFeeAmount | number}}

All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x) ${{basePointsAmount | number}}

Merchant Bonus ({{merchantsBonusAmounts[0].multiplier}}%x)${{merchantBonusAmount | number}}

{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)${{categoryBonusAmount.bonus | number}}

Welcome Bonus${{welcomeBonusAmount | number}}

Pros

  • 3% cash back on dining is one of the better rates for the category.
  • No annual fee.

Cons

  • Other cash back cards will earn you 2% on everything.
  • Must be a USAA member.

See how the USAA Rewards American Express compares to other credit cards

USAA Rewards American Express Other Cards


Hover the dots to view other Credit Cards

Reward Rate = 3x

Value = 1 cent per point
Effective Value = 3 %

0%
7%

Reward Rate = 2x

Value = 1 cent per point
Effective Value = 2 %

0%
6%

Reward Rate = 2x

Value = 1 cent per point
Effective Value = 2 %

0%
7%

Reward Rate = 1x

Value = 1 cent per point
Effective Value = 1 %

0%
3%

Welcome Bonus = 2,500

Value = 1 cent per point
Effective Value = $25

$0
$1800

Annual Fee = $0

$0
$995
Welcome Bonus
2,500

OK

Bonus Rating

Points

After you spend $1 in 3 months

GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article
Spending Rewards
3x Dining

Very Good

very good

2x Gas

Good

good

Good

In the top 50% of cards.

2x Groceries

Very Good

very good

1x All Other

OK

OK

Is this card right for me?

That depends on your individual spending patterns. We have a tool that figures it out for you. Learn what you could earn.

Program Name
USAA Rewards
Gigapoints Value
1¢ per point
0.4¢ PER POINT
2¢+ PER POINT
Annual Fee
  • $0
Use this card for…

You can earn more rewards by using different cards for different purchases. We built a tool that tells you which card to use, when. Just plug in your favorite brand, store, or category to find out which card pays the most.

Use the Best Card For tool Go

The Fine Print

PURCHASES APR 9.90% to 25.90%
BALANCE TRANSFER APR 9.90% to 25.90%
BALANCE TRANSFER FEE 3% of the amount of each transfer.
CASH ADVANCE APR 9.90% to 25.90%
CASH ADVANCE FEE 3% of the amount of each cash advance. Fee waived when transferring funds electronically to a USAA deposit account.
LATE PAYMENTS Up to $35
FOREIGN TRANSACTION FEE 0%