Credit Card Reviews
USAA Rewards American Express

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.

Summary For You

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}}

${{totalAmount | number}} =

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–${{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

Rewards

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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%

5%

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

$5

$1700

Annual Fee = $0

$0

$695

Welcome Bonus

2,500 Points

After you spend $1 in 3 months

GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article

Spending Rewards

3x Dining

2x Gas

2x Groceries

1x All Other

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.

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0.4¢ PER POINT

2¢+ PER POINT

Annual Fee

$0

Are Annual Fees Worth It?

The GigaPoints Guide to Credit Card Annual Fees Article

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

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%