USAA Rewards™ American Express® Credit Card

Earn points on purchases - and even more at gas stations, on groceries and dining.

Apply now with a USAA Rewards™ American Express® Credit Card Join now for a USAA Rewards™ American Express® Credit Card

Unlimited Rewards^{See note1}

3X points on dining
2X points on groceries
2X points at gas stations
1X points on other purchases

Bonus Rewards^{See note1}

2,500 bonus points after your first purchase

See Reward Terms and Conditions

Rates Note: View the USAA Rewards™ American Express® Card Rates and Fees.

14.65% to 28.65%

Fees

No Annual Fee
No Foreign Transaction Fees
Balance Transfer and Cash Advance fee is 5% of each transaction amount.^{See note2}

View Rates and Fees

Redeem your rewards.

Your total points increase with every Qualifying Purchase. Redeem them your way, on your schedule.

Step 1: Earn

Enjoy rewards points that never expire, with extra earnings in select spending categories.
Step 2: Track

Keep tabs on your rewards. Points for posted transactions are usually added within 48 hours. Check your total on usaa.com or the mobile app.
Step 3: Redeem

Choose from a range of exciting redemption options. Redeem some or all of your points.

Benefits and Features

Carry a credit card that's easy to use and manage, with peace of mind built in.

Security and Protection

Rely on us — from secure logons to zero liability for unauthorized transactions.^{See note3}
Set up a variety of alerts on your mobile device to stay informed.
Report a lost or stolen card online or in the app.

Travel Benefits^{See note4}

Auto Rental Coverage
Travel Accident Insurance
Trip Cancellation and Interruption Coverage
Baggage Delay and Reimbursement

Support and Service

Access USAA customer service 24/7 online.
Take advantage of extended warranty protection on U.S. manufacturers' warranties.^{See note4}
Add your card to your phone for fast mobile payments or checkouts.

Still searching for the right card?

We offer a full range of credit cards to meet your needs.

Cashback Rewards Plus American Express^{See note®} Credit Card

Best For:

Those who like the stability of cash rewards and flexibility to spend it on whatever they want.

Learn more About the Cashback Rewards Plus American Express® Card

USAA Rate Advantage Visa^{See note®} Platinum Credit Card

Best For:

Those who carry a balance from month to month.

Learn more About the USAA Rate Advantage Visa Platinum® Card

Available With:

Note 1 You will earn rewards based on your Qualifying Purchases. Qualifying Purchases are the Purchases of products or services that post to your Account, minus any returns, refunds, or other adjustments made with your Account by you or an Authorized User of your Account. Certain restrictions apply, including limitations if your Account becomes delinquent or closed. Transactions that are not Qualifying Purchases do not earn rewards. See the Reward Program Terms and Conditions for more information.

Note 2 There is a transaction fee of 5% of the amount of each Balance Transfer, Convenience Check and Cash Advance. The Cash Advance fee is waived when you transfer funds electronically from your USAA credit card to your USAA Bank deposit account.

Note 3 Zero liability policy: You are not liable for unauthorized use that is reported to us. Unauthorized use means the use of a credit card by someone other than you who does not have actual, implied or apparent authority for such use and from which you do not receive a direct or indirect benefit.

Note 4 Certain terms, conditions and exclusions apply. Please refer to the Credit Card Benefits Guide for further details.

All credit cards subject to approval.

If you apply for a USAA Visa Signature® Credit Card and are approved for a credit limit less than $3,000 you'll automatically be issued a USAA Visa® Platinum Credit Card with the same terms and fees. This is not applicable to the USAA Eagle Navigator™ Visa Signature® Credit Card.

Apple Pay^® is a registered trademark of Apple Inc.

Google Pay is a trademark of Google LLC.

Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.

The Contactless Indicator and Contactless Symbol are trademarks owned by and used with permission of EMVCo, LLC.

Visa is a registered trademark of Visa International Service Association and used under license.

American Express is a federally registered service mark of American Express and is used by USAA Federal Savings Bank as the credit card issuer pursuant to a license.

Membership eligibility and product restrictions apply and are subject to change.

"USAA Bank" means USAA Federal Savings Bank.

Bank products offered by USAA Federal Savings Bank, Member FDIC. Credit card, mortgage and other lending products not FDIC-insured.

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USAA Rewards™ American Express® Credit Card

Variable APR Rates

Penalty APRs

Balance Transfer and Cash Advance Fee

Redeem your rewards.

Step 1: Earn

Step 2: Track

Step 3: Redeem