USAA Rewards American Express
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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
Earn 2,500 bonus USAA Rewards points (~$25 in travel value at 1¢/point) after making your first purchase with the card.
Earning Rates
Earning rates
4- 3xdining
3X USAA Rewards points on dining (restaurants, takeout, food delivery) — no annual cap
- 2xgas
2X USAA Rewards points on gas stations — no annual cap
- 2xgroceries
2X USAA Rewards points on grocery stores — no annual cap
- 1xeverything else
1X USAA Rewards points on all other purchases
Statement credits
1- Redeem through the USAA Rewards Center for travel (~1¢/point), gift cards, merchandise, statement credit, or USAA account deposits — no transfer partners (closed-loop program)
Perks & memberships
3- Card networkIssued on the American Express network (USAA is the issuer; this is an Amex-branded card, not Amex-issued, so it earns USAA Rewards points and not Amex Membership Rewards)
- No foreign feesNo foreign transaction fees
- Points longevityPoints never expire for the life of the account and there are no caps on point earning
Travel & purchase protections
5- Rental car collision damage waiver (secondary U.S.) when you reserve and pay with the card and decline the rental company's CDW
- Travel accident insurance on common-carrier tickets paid with the card
- Trip cancellation and trip interruption coverage on prepaid non-refundable travel paid with the card
- Zero-liability fraud protection on unauthorized transactions
- Extended warranty and purchase protection on eligible purchases per the USAA Amex Guide to Benefits
More benefits & fine print (1)ShowHide
- Membership-gated: must be a USAA member to apply. USAA membership is restricted to current and former U.S. military servicemembers, their spouses, and their dependents
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See the Current Offer
Earn 2,500 USAA Rewards points
View OfferAffiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
