The USAA Rewards American Express Card has an offer for 2,500 bonus points when you make your first purchase with your card. The bonus points are worth about $25. The welcome bonus is fair considering the minimum spending requirement is actually pretty easy to achieve compared to other requirements on our list of credit cards.
The USAA Rewards American Express Card comes with 3x points on dining, 2x points on gas and groceries, and 1x points on all other purchases. This card also comes with no annual fee, no foreign transaction fees, and no limit on your rewards.
You will need to join USAA in order to qualify. If you aren’t an active or former military member or a family member of one, you won’t be eligible.
* You can also compare this USAA card with other credit card bonuses!
Table of Contents
USAA Rewards American Express Card Summary
|Bonus Available||Get 2,500 bonus points with your first purchase.|
|Ongoing Rewards/Benefits||Earn 3x points for dining out
Earn 2x points for gas and groceries
Earn 1x points on all other purchases
|Foreign Transaction Fees||No|
- No annual fee
- Bonus categories
- Military benefits
- No foreign transaction fees
- USAA membership required
- Modest welcome bonus
Editor’s Alternate Pick
USAA Rewards American Express Card 2,500 Bonus Points Offer
Be sure to take advantage of the USAA Rewards American Express Card bonus 2,500 bonus points offer. These points are valued to be around $25.
To qualify, simply charge one purchase to your card. Fortunately, there is no minimum spending requirement, so you can charge anything.
What are USAA Rewards Points Worth?
Like other points-based cards, the value of the points depends on how you use them. We value each USAA Rewards Point to be at around $.01.
Rewards points can be redeemed for:
- Airline Travel Reward — toward the purchase of an airline ticket.
- Merchandise and Gift Reward — for available merchandise and gift cards.
- Cash Reward — for cash credited to your Account or deposited to your USAA checking or savings account.
- Charitable Contribution Reward — for a donation to a participating charity.
- Cruise Travel Reward — toward the purchase of a cruise ticket.
Get the most out of your points by using them for airline or cruise tickets. Redeeming points through this method will give you a return of greater than of $0.01 per point if you can get the timing right. To see more promotions that USAA has, check out their Rewards Service Center on usaa.com.
USAA Rewards American Express Card Top Features
If you’re an active duty member, you can qualify for various benefits such as:
- Deployment/PCS rate. Get a 4% APR (lower than the SCRA requires) on all balances for up to 12 months during deployments or PCS.
- Special SCRA rate. When you have a balance on your account at the time you enter active duty, get 4% APR on that existing balance until one year after you complete active duty.
- Access to deployment team. Knowledgeable staff can help you before, during and after deployment.
Make purchases abroad without worrying about foreign transaction fees with the USAA Military Affiliate Visa Signature card.
USAA Credit Card Eligibility
USAA is dedicated to serving the military as well as their families, so you must be affiliated with the military in order to apply for this card. This includes all of the following requirements:
- You are serving in the U.S. military or were honorably discharged.
- You are joining the U.S. military.
- Your parent is (or was) a USAA member.
- Your spouse is (or was) a USAA member.
- Your spouse served honorably in the U.S. military.
If you meet the requirements, you can join USAA for free.
The USAA Rewards American Express card is an great card to have if you are a service member who wants unlimited rewards on everyday spending. This card offers great points back on dining as well as gas and groceries. You will also earn points back on everyday purchases.
One of the only downsides of this card is that American Express is not as universally accepted as Visa is, so if you’re going to a lot of places that don’t take AMEX, you might want to look elsewhere.
However, if you’re looking for a rewards card that will give you more points back, there are other credit cards that offers more than what the USAA Rewards American Express card is offering. But if you’re interested in posts like this, check out the latest American Express Credit Cards!
(Visit USAA to learn more about this card.)
The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.
What’s the Competition?
The Chase Freedom® Card offers a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
You'll earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate and an unlimited 1% cash back on all other purchases. You cash back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
This card has no annual fee and you'll get a free credit score that's updated weekly with Credit JourneySM.
The Capital One® SavorOneSM Cash Rewards Credit Card offers a one-time $150 cash bonus after spending $500 on purchases within the first 3 months from account opening.
You'll earn an unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases with no rotating categories or sign-ups needed to earn cash rewards.
This card comes with no annual fee and no foreign transaction fees.
The Capital One® Quicksilver® Cash Rewards Card offers a one-time $150 cash bonus after spending $500 on purchases within 3 months from account opening.
You'll be able to earn an unlimited 1.5% cash back on every purchase, every day with no rotating categories or sign-ups needed to earn cash rewards.
This card comes with no annual fee and no foreign transaction fees which makes this card a viable option for your go-to everyday card.
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