USAA Classic American Express® Credit Card review |

USAA Classic American Express® review

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

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
11.65% to 21.65% variable
You can get travel benefits (no foreign transaction fees), retail benefits and collision damage waiver coverage on your rental car.
11.65% to 21.65% variable
Get a card that can help you build credit. Determine your own credit limit. When you apply, you'll open a two-year certificate of deposit (CD) with $250 to $5,000. The balance of your CD is your credit limit.
13.65% to 27.65% variable
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.
8.65% to 25.65% variable
This card offers the same low rate for purchases, cash advances and balance transfers.
11.65% to 27.65% variable
You can get cash back (unlimited) on groceries and gas and on most purchases and get car rental insurance as well.
13.65% to 27.65% variable
Earn $150 bonus after you make $500 in purchases within the first 90 days of opening your account.
12.65% to 27.65% variable
Earn 2,500 bonus points credited to your account with your first purchase and then 1 point per $1 spent. No expiration date.
11.65% to 27.65% variable
This card lets members show their support for The American Legion. Earn one point for every dollar spent on your everyday purchases.
12.65% to 27.65% variable
Get 2,500 Bonus Points after your first purchase. Start earning 1 point for every $1 spent. Redeem your points and donate to your favorite military affiliate group.

Compare up to 4 providers

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 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.

    Was this content helpful to you? No  Yes

    Ask an Expert

    You are about to post a question on

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • is a financial comparison and information service, not a bank or product provider
    • We cannot provide you with personal advice or recommendations
    • Your answer might already be waiting – check previous questions below to see if yours has already been asked

    Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Privacy and Cookies Policy and Terms of Use.
    Go to site