USAA Cash Rewards® American Express® Card
- USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received a discharge type of Honorable, and their eligible family members.
- Earn up to 2.25% cash back on gas and grocery purchases and up to 1.25% cash back for all other purchases.
- No caps or limits on the amount you can earn.
- Your cash rebate is awarded every January for the purchases made the previous 12 months.
- Enjoy variable rates as low as 10.40% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the prime rate.
- No annual fee and no minimum finance charge.
- Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.
|Credit Target||Type||Annual Fee||BT Intro APR||Purchase Intro APR||Regular APR||Rewards|
|Good Credit, Excellent Credit||Personal||$0||N/A*||N/A*||10.40%-26.40% (Variable)||Cash Back|
This is a cash back rewards card issued by USAA Savings Bank. This card is intended for consumers, or "personal use" with a good to perfect credit history. APR's may vary among applicants, however the lowest standard APR is 10.4%* and may be as high as 26.4%* (Variable)*, depending on your credit worthiness*.
There is not an introductory APR for this card, so the lowest or standard rate may apply immediately or after the grace period for eligible purchases. There is no annual fee for this card.*
This card is a cash back card, where you can expect cash rewards for your purchases.
Credit Record Needed:
Based on the FICO score recommendation, applicants should have a great or nearly perfect credit record. A FICO credit score of 752 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.
FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any USAA Savings Bank product.
The grace period listed for the USAA Cash Rewards® American Express® Card is at least 25 days*. So interest charges will not be applied for new purchases during this time. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date.
American Express acceptance among businesses is moderate, but global. You should not have a difficult time finding businesses that will accept this card as a form of payment.
Our Editor's Commentary:
If you are veteran, military member, or eligible family member, you may want to learn more about the USAA Cash Rewards® American Express® Card.
This credit card is for people with good to excellent credit who want to earn cash back on all purchases. You will receive 2.25 percent cash back on gas and grocery purchases, as well as 1.25 percent on all other purchases.
With no annual fee, chip technology, and a variety of other benefits, you should at least learn more about what the USAA Cash Rewards® American Express® Card has to offer.
There were 3 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 67% of those applicants were approved.
There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. Furthermore, if your FICO score is close to or higher than 752, then your chance of approval may be even greater.
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.
Based on community reviews, we found that 100% of 2 users recommend this card.
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