Rating: 5 Stars
Bottom Line:
Dining, Gas, and Groceries Rewards For Military Families
TABLE OF CONTENTS
Card Details
| Regular APR: | 11.65% – 27.65% Variable |
| Intro APR (Purchases): | None |
| Intro APR (Balance transfers): | None |
| Rewards Rate: | 3X points on dining out 2X points on gas and groceries 1X points on all other purchases |
| Credit Needed: | (670 – 850) Excellent/Good |
| Annual Fee: | $0 |
| Card Brand: | American Express |
*See online credit card application for details on the terms and conditions.
Offer Highlights
- Click APPLY NOW to apply online
- Earn 3X points per dollar spent on dining
- Earn 2X points per dollar spent on gas and groceries
- Earn 1X points for every dollar spent on all other purchases
- Get 2,500 bonus points with your first purchase
- Redeem points for cash, merchandise, gift cards and more.
- USAA membership is available to active and former military and their eligible family members
Is USAA Rewards American Express worth it?
USAA Rewards American Express is a solid card for military families who spend a lot on eating out, which earns 3 points per dollar, and gas and groceries, which earn 2 points per dollar. At about one cent per dollar, this is a solid rewards rate for a no annual fee card.
Pros
- 3X points on dining out and 2X points on gas and groceries
- No annual fee
- No foreign transaction fee
Cons
- Higher than average regular APR – cardholders with poor credit could pay more than 27% annually
- Low intro bonus
- Groceries category does not include wholesalers, such as Costco, Sam’s Club and Walmart
Why 5 Stars?
Regular APR
4 Stars
Intro APR
4 Stars
Fees
5 Stars
Perks
5 Stars
Overall
5 Stars
Fees
| Foreign Transaction Fee | None |
| Balance Transfer Fee | 3% |
| Cash Advance Fee | 3% |
| Penalty APR | None |
Benefits
| $0 Fraud Liability |
| Auto Rental Collision Damage Waiver |
| Baggage Delay Reimbursement |
| Concierge Service |
| Extended Warranty Program |
| Travel Accident Insurance |
| Lost Luggage Reimbursement |
| Purchase Protection |
| Roadside Assistance |
| Travel and Emergency Assistance |
| Travel Accident Insurance |
| Trip Cancellation and Interruption |
Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.
Credit Cards Research:
Best Credit Cards for 2021
These are the best credit cards for 2021.
Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.
Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.