USAA Rewards™ American Express® Credit Card

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

Special Offer

No offer at this time

Special Offer

No offer at this time

Special Offer

No offer at this time

Benefits and Features

Unlimited Rewardssee note 1

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

Bonus Rewardssee note 1

  • 2,500 bonus points after your first purchase
See Reward Terms and Conditions

Rates and Fees*

14.40% to 28.40%

No

No Annual Fee

No Foreign Transaction Fees

Balance Transfer and Cash Advance fee is 5% of each transaction amount.see note 2

*View Rates and Fees

Redeem your rewards.

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

  1. 1

    Earn

    Enjoy reward points that never expire, with extra earnings in select spending categories.
  2. 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.
  3. 3

    Redeem

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

Additional 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 note 3
  • 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 Benefitssee note 4

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

Travel Benefitssee note 4

  • 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 note 4
  • 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® Credit Card

Best For:

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

Learn more

USAA Rate Advantage Visa® Platinum Credit Card

Best For:

Those who carry a balance from month to month.

Learn more

Available with:

Apple PayGoogle PaySamsung Pay