USAA Cash Rewards Visa Signature Card Review | finder.com

USAA Cash Rewards® American Express® review

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Updated March 26th, 2019
Name Product Welcome Offer Rewards Annual Fee
60,000 points after spending $4,000 in the first 3 months
2x points on travel and dining. 1x points on all other purchases
$95
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.
50,000 points after spending $4,000 in the first 3 months
3x points on dining and travel after earning your $300 travel credit. 1x points on all other purchases
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
$150 cash back after spending $500 in the first 3 months
5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases
$0
0% intro APR for 15 months from account opening on purchases and balance transfers.
$150 cash back after spending $500 in the first 3 months
1.5% cash back for each dollar spent
$0
0% intro APR for 15 months from account opening on purchases and balance transfers.
$150 statement credit after spending $1,000 in the first 3 months
3% at US supermarkets on up to $6,000 per year, then 1%. 2% at US gas stations and select US department stores and 1% on all other purchases
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$200 statement credit after spending $1,000 in the first 3 months
6% at US supermarkets on up to $6,000 per year, then 1%. 3% at US gas stations and select US department stores and 1% on all other purchases
$95
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$150 after spending $1,000 in the first 3 months
Earn unlimited 1.5% cash back on your purchases
$0
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Rates & Fees
35,000 points after spending $2,000 in the first 3 months
3x points on airfare booked directly with airlines; 4x points at US restaurants; 4x points at US supermarkets on up to $25,000 per year in purchases (then 1x points)
$250
35,000 bonus Membership Rewards? Points when you spend $2,000 in the first 3 months Rates & Fees
$150 after spending $500 in the first 90 days
5% on up to $2,000 each activated quarter on two categories combined (1% after), 2% on one everyday category and 1% on all other purchases
$0
When you spend $500 on your card within the first 90 days, you?ll receive a $150 cash back bonus.
70,000 miles after spending $5,000 in the first 90 days
2x miles on all purchases
$0 intro annual fee for the first year ($89 thereafter)
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
125,000 points after spending $2,000 in the first 3 months
12x points on Hilton Portfolio spending, 6x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
$95
Earn 125,000 Hilton Honors? Bonus Points after you spend $2,000 or more in purchases with your new card within the first 3 months of card membership. Rates & Fees
75,000 points after spending $1,000 in the first 3 months
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
$0
Earn 75,000 Hilton Honors? Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & Fees
$150 after spending $2,500 in the first 3 months. 10% annual rewards bonus
1.5% cash rewards on all purchases
$0
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
10,000 miles after spending $500 in the first 3 months
2x miles at US restaurants and on purchases made directly with Delta and 1x miles on all other purchases
$0
Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & Fees
60,000 miles after spending $2,000 in the first 3 months and a $50 statement credit after you make a Delta purchase in the first 3 months
2x miles on Delta purchases and 1x miles on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
60,000 bonus miles after you use your new card to make $2,000 on purchases within the first 3 months and a $50 statement credit after you make a Delta purchase in the first 3 months. Rates & Fees
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
N/A
1x points on all purchases with 2% point value when you redeem for airfare or cash back
$995
Earn 2% point value when redeemed for airfare or cash back through the Luxury rewards program.
Earn $150 statement credit after you spend $1,200 on purchases within the first 90 days from account opening
Earn 1x rewards points on all purchases and 5x points in quarterly rotating categories on up to $1,500 each quarter you activate, then 1x points
$0
Earn $150 in statement credit after you spend $1,200 on purchases within the first 90 days from account opening.
Earn 25,000 bonus points when you spend $2,500 in the first 90 days from account opening.
Earn 3x points on travel ? or 4x points if you?re a PenFed Honors Advantage member ? and 1.5x points on all other purchases
$0
Earn 25,000 bonus points when you spend $2,500 in the first 90 days from account opening.
$100 bonus after spending $1,500 in the first 90 days
2% cash back for all PenFed Honors Advantage members and 1.5% cash back on all purchases
$0
2% cash back for all PenFed Honors Advantage members and 1.5% cash back on all purchases made with your card.
Earn a $100 bonus after spending $1,500 on purchases in the first 90 days from account opening.
Earn 5x points on gas at the pump and 3x points on groceries. Earn 1x points on all other purchases.
$0
Earn 5x points on gas at the pump and 3x points on groceries. Earn 1x points on all other purchases.
N/A
1% cash back on all purchases or in categories based on Credit One Bank?s discretion
$0 to $99
Get 1% cash back rewards on eligible purchases.
$0 to $99
Seeing if you pre-qualify is fast, easy and secure.
Get 1% cash back rewards on eligible purchases and double cash back rewards at the NASCAR.com Superstore
$0 to $99
Get 1% cash back rewards on eligible purchases and double cash back rewards at the NASCAR.com Superstore.

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USAA Cash Rewards® American Express®

USAA continues its line of credit cards geared toward military service members and their families with the USAA Cash Rewards® American Express®. Active military members will benefit from a very low 4% interest rate on all balances for 12 months while on deployment, as well as complete rebates for finance charges while they are on military campaigns. And they and their families will enjoy a card with no annual fees and no foreign transaction fees.

Having the ability to earn up to cash back on purchases made with the card is a very attractive feature. So is Visa’s suite of perks, which includes rental car insurance, price protection and extended warranties, concierge services, and travel assistance. These benefits all round out a card that cardholders may be able to acquire at a purchase, balance transfer, and cash advance interest rate as low as 13.65%.

Benefits of the USAA Cash Rewards® American Express®

  • Possibility for a relatively low 13.65% interest rate. Based on your credit, you may qualify for a purchase, balance transfer, and cash advance APR as low as 13.65% variable.
  • No annual fee. You can use the USAA Cash Rewards® American Express® without having to maintain it with an annual fee.
  • No foreign transaction fee. You can use your card abroad without incurring foreign transaction fees.
  • Cash rewards. You can receive up to cash back based on your spending on everyday purchases.
  • No cap on cash rewards. You can earn as much cash back as your spending allows. Your cash rewards are also redeemable anytime.
  • Special benefits for military service members. Military service members on deployment enjoy additional benefits like a reduced 4% interest rate for up to 12 months on all balances and complete rebates on all finance charges while on military campaigns.
  • Rental car insurance. When you pay for a rental vehicle with the USAA Cash Rewards® American Express®, you will be covered for any damages to the vehicle.
  • Shopping benefits. The USAA Cash Rewards® American Express® offers price protection and extended warranties for your purchases.
  • Concierge service. Visa’s concierge service can help you find accommodations for dining, hotels, travel, entertainment, and special occasions. It can also provide everyday services like fulfilling household needs and sending reminders for important dates or events.
  • Travel services. The USAA Cash Rewards® American Express® comes with travel assistance for travel emergencies, medical needs, legal services, baggage delay, and more.

Features of the USAA Cash Rewards® American Express®

  • No grace period for cash advances or balance transfers. If you take out cash with the card or initiate a balance transfer, you’ll accrue interest immediately.
  • Balance transfer limit. You can initiate balance transfers up to of your credit limit.
  • Restrictions on balance transfers. Balance transfers from USAA accounts are not allowed.
  • Balance transfer and cash advance fees. Balance transfers and cash advances each come with a 3% transaction fee, capped at $200 per transaction. Cash advance fees are waived when you make electronic transfers to USAA accounts.
  • Only for members of the military and their family members. To qualify for the card, you need to be an active military member, a veteran who was honorably discharged, or an eligible military family member.
  • Sliding APR scale. Depending on your credit, you could qualify for a purchase, cash, and transfer variable APR as low as 13.65% or as high as 27.65%.

How to apply for the USAA Cash Rewards® American Express®

Eligibility criteria

  • You are a U.S. citizen or permanent resident of the U.S.
  • You are at least 18 years old
  • You are a member of the military, a veteran who was honorably discharged, or an eligible family member of military personnel

Required documents & information:

  • Your name, residential status, and residential address
  • Your Social Security number
  • Your email address, phone number, and date of birth
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2 Responses

  1. Default Gravatar
    BobJuly 21, 2017

    I have three high interest credit cards with balances I’d like to transfer to your Visa Signature card. The total of all the balances = $21,000 and my credit score is 756. I’m a Navy veteran, honorably discharged in 1977. Would I be eligible for this card and would I be able to transfer that much of a balance?

    • finder Customer Care
      AdrienneJuly 21, 2017Staff

      Hi Bob,

      Your situation sounds like one where a balance transfer credit card might help. USAA states that the credit limit they might extend to you is dependent upon your application criteria and credit history. If your application is approved and the credit limit you are granted high enough, you can use up to 95% of that credit limit for transferring your balances.

      As a Navy vet (thank you for your service!) you are eligible for a USAA membership. You can apply for membership at the same time as you apply for your new card.

      I hope this information was helpful.

      Cheers,

      Adrienne

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