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RewardZ Travel
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Verified May 2026

USAA Rewards American Express

USAA|Personal
/5
Annual Fee
$0
Sign-Up Bonus
2,500 USAA Rewards points
Bonus Value
$25

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.

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Is this card worth it?
Annual fee
$0
Welcome offer
2,500 USAA Rewards points
Est. value
$25
Best for
Rewards

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.

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Earn 2,500 bonus USAA Rewards points (~$25 in travel value at 1¢/point) after making your first purchase with the card.

Benefits and fees last verified May 2026against the issuer's published terms.

Earning Rates

3x
dining
2x
gas
2x
groceries
1x
other

USAA Rewards American Express

USAA

Not enough context

Not enough context to say

Nothing we know about this card and about you decides it either way. The unknowns below are the reason, and each one names what would settle it.

What we still do not know (3)

  • spend-categories
    Which categories get the most spend each month, for example dining, groceries, travel or gas? We hold no category spending data at all, so we will not guess one.
  • held-cards
    Which cards are currently carried? Without that list we cannot say whether this one duplicates a card already held.
  • tracked-objectives
    Which trip is being saved toward? A tracked trip is what turns this card's currency into a concrete gap it could close.

Ecosystem fit

NO_TRANSFER_ECOSYSTEM

This card's rewards do not transfer to any airline or hotel program in our graph.

Portfolio overlap

HOLDINGS_UNKNOWN

We do not know which cards you hold, so we cannot say whether this one duplicates anything.

Saved-trip relevance

NO_TRACKED_OBJECTIVES

You track no saved trip, so there is no goal for this card to move toward.

Earn fit

ASK_SPEND_CATEGORIES

We need to ask before we can answer this

Which categories get the most spend each month, for example dining, groceries, travel or gas? We hold no category spending data at all, so we will not guess one.

We hold no category spending data for you, and we will not estimate one. Until this is answered, this card's earn rates are facts about the card, not a fit for you.

Verified economics

VERIFIED
$0 annual feeIssuer check 2026-05-24

No publishable welcome offer (no-current-offer).

Computed 2026-08-25T22:26:48.293Z from the facts above. This is a request-time answer, not something we monitor for you.

Earning rates

4
  • 3x
    dining

    3X USAA Rewards points on dining (restaurants, takeout, food delivery), no annual cap

  • 2x
    gas

    2X USAA Rewards points on gas stations, no annual cap

  • 2x
    groceries

    2X USAA Rewards points on grocery stores, no annual cap

  • 1x
    everything 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)Show
  • 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

Before you decide, weigh alternatives

This is already one of the lower-fee cards in its category. Compare it side by side to confirm it is the right fit for how you spend.

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How we verified this card (4 sources)Show

Spotted something off? Report an issue. Read our verification methodology.

See the Current Offer

Earn 2,500 USAA Rewards points

View Offer

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.

Use this for a trip

Have a trip in mind?

Start a trip search to see how many points a specific award costs and how this card's welcome bonus and transfer partners help close the gap. Nothing is booked and no availability is checked.

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