USAA Classic American Express Credit Card review | finder.com

USAA Classic American Express® review

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Please note: This card has been discontinued, and it is not available on our site.

Compare similar credit cards and find the best option for you.

Compare other USAA credit cards

Name Product APR (Annual Percentage Rate) for Purchases Annual Fee
8.9% to 25.9% variable
$0
This card offers the same low rate for purchases, cash advances and balance transfers.
11.9% to 27.9% variable
$0
Earn 2x points on gas and dining and 1x points on all other purchases.
13.9% to 27.9% variable
$0
Earn 1.5% cash back on every purchase with no limits or category restrictions. Pay no annual fee, no penalty APR and no foreign transaction fees.
11.9% to 27.9% variable
Get 2,500 bonus points with your first purchase.
13.9% to 27.9% variable
$0
Earn 5% cash back on the first $3,000 in gas and military base purchases annually on these categories combined. Earn 2% on the first $3,000 on supermarket purchases per year. Unlimited 1% cash back on all other purchases.
12.9% to 27.9% variable
$0
Earn 2,500 bonus points when you make your first purchase and earn 1x points on all purchases.
12.9% to 27.9% variable
$0
Redeem points for 1% cash back or use them to purchase travel, gift cards and merchandise. You can also redeem your points and donate to your favorite military affiliate group.
12.65% to 27.65% variable
$0
Get 2,500 bonus points after your first purchase and earn 1x points on all purchases.

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The basics

If you have average credit, the USAA Classic American Express® Card may be a good fit for you. Improve your credit score with consistent, on-time payments. If you choose this card, you can expect a 18.4% to 24.4% variable and a $35 annual fee. The card includes inserted chip card technology to increase security. You can view your account online or on your phone.
Get Valuable rewards with USAA Credit Cards

The perks

    • Benefits. Security, travel and retail benefits are included with the card, with access to concierge services for traveling.
    • Collision damage waiver coverage. Pays for physical damage and theft to most rental vehicles.
    • No penalty charged on APR. You won’t be penalized for making late or missed payments.
    • Improve credit. Improve your credit score by making on-time and consistent payments. USAA Bank may automatically upgrade you to a premium credit card.

    You’ll also like…

      • Special 4% SCRA rate. You’ll get 4% APR on your existing balance when you enter active duty.
      • Deployment/PCS Rate. Get 4% APR on all balances for up to 12 months during deployment or PCS. After 12 months, the regular APR, currently between 10.65% to 26.65% variable, will apply. This rate will vary with the market, based on the prime rate.
      • Military Campaign Benefit. You’ll get a rebate on all finance charges accrued while you served in a qualified military campaign.

    What do I need to know before I apply?

    Eligibility criteria

    In order to apply for the USAA Classic American Express®, you must be a member of the military, a veteran who was honorably discharged or an eligible family member of military personnel. You also must be:

    • A US citizen or permanent resident
    • At least 18 years old

    Always consider your options and your financial situation before you apply for a credit card.

    Required documents & information

    • Full name and address
    • Marital status
    • Birthdate
    • Contact information
    • Proof of employment and income

    Bottom line

    If you’re affiliated with the military, and looking for a credit card that can improve your credit, the USAA Classic American Express® could be a helpful solution. Before choosing this card, be sure to compare it with other credit card options.

    Adrienne Fuller

    Adrienne Fuller leads the publishing team at finder.com. She has one goal: to deliver the accurate and transparent information she wishes she had when she made some of life's important financial decisions. When she's not helping folks save money, she's hiking with her two Catahoulas around her home in San Diego.

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