USAA · American Express

USAA® Rewards™ American Express® Card

★★★★★ 4.5 Wafacard score
Issuer page Confirm current terms on the issuer website
Annual fee
$0
Rewards rate
1x
Intro offer
Intro value may include 2,500 points. Confirm current requirements with the issuer.
Recommended credit
Excellent (720+)
Fees and terms

Rates and fees can change by applicant profile and issuer updates. Confirm current terms on the issuer website before applying.

Annual fee
No annual fee
Purchase APR
APR range: 11.4% - 27.4%
Balance transfer APR
APR range: 11.4% - 27.4%
Cash advance APR
Check issuer terms
Foreign transaction fee
Check issuer terms
Late payment fee
Check issuer terms
Grace period
Check issuer terms
Recommended credit
Excellent (720+)
Terms last updated
6/22/2026
Key benefits
  • Cell phone protection may be available
  • Extended warranty coverage may be included
  • Baggage coverage may be included
  • No yearly card fee
Rewards breakdown

Wafacard summary: this everyday credit card should be compared by its annual fee, issuer terms, reward fit, and benefit usefulness for your normal spending.

Intro offer: Intro value may include 2,500 points. Confirm current requirements with the issuer.

Card details

Wafacard note: key fit signals include cell phone protection may be available, extended warranty coverage may be included, baggage coverage may be included, no yearly card fee. Availability, exclusions, and enrollment rules can vary by issuer terms.

Issuer
USAA
Network
American Express
Type
general
Review status
Terms reviewed 6/30/2026

Is USAA® Rewards™ American Express® Card worth it?

The USAA® Rewards™ American Express® Card is a no-annual-fee general card from USAA, so you can keep it long term without paying to hold it. It lists 1x on eligible spending, and the breakdown below shows how that earning applies across categories. New cardholders may also qualify for a welcome offer: Intro value may include 2,500 points. Confirm current requirements with the issuer. It is generally aimed at applicants with excellent (720+) credit, with a purchase APR around APR range: 11.4% - 27.4%. Confirm current terms on USAA's site before applying.

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