USAA Classic American Express® Credit Card review | finder.com

Review: USAA Classic American Express® Card — April 2018

This card is no longer offered.

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The USAA Classic American Express® Card is for people affiliated with the military, with average credit. It’s issued by USAA Bank — a company that has been helping military members and their families since 1922.

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 18.40% - 24.40% 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.

    Compare other American Express credit cards

    Rates last updated April 25th, 2018
    Name Product APR for Purchases ( Purchase Rate ) Intro APR for Balance Transfer Annual fee Product Description
    Wells Fargo Propel 365 American Express® Card
    15.24% to 23.24% variable
    0% Intro APR for 12 months (with $5 minimum, 5% balance transfer fee)
    $0 annual fee for the first year ($45 thereafter)
    20,000 bonus points if you spend $3,000 (net purchases) in first 3 months
    Wells Fargo Propel American Express® Card
    14.24% to 26.24% variable
    0% Intro APR for 12 months (with whichever is greater, $5 or 3% balance transfer fee)
    $0
    20000 bonus points if you spend $1,000 (net purchases) in first 3 months
    Blue from American Express® Card
    16.49%, 19.49% or 21.49% variable
    16.49%, 19.49% or 21.49%% Intro APR for within 60 days of account opening (with whichever is greater, $5 or 3% balance transfer fee)
    $0
    Earn rewards with no annual fee.
    Blue Sky from American Express® Card
    18.49%, 21.49% or 23.49% variable
    18.4921.4923.49% Intro APR for within 60 days of account opening (with whichever is greater, $5 or 3% balance transfer fee)
    $0
    Flexible travel rewards and no annual fee.
    Hilton Honors™ Card from American Express
    16.99% to 25.99% variable
    16.9925.99% Intro APR for 60 days of account opening (with whichever is greater, 5% or 3% balance transfer fee)
    $0
    Earn 50000 Hilton Honors Bonus Points after spending $1,000 or more in purchases on the Card within your first 3 months of Card Membership.
    Hilton Honors™ Surpass® Card from American Express
    16.24% to 20.24% variable
    16.2420.24% Intro APR for 60 days of account opening (with whichever is greater, $5 or 3% balance transfer fee)
    $75
    Earn 100000 Hilton Honors Bonus Points after spending $3,000 in purchases on the Card within your first 3 months of Card Membership.
    American Express Serve®
    FREE ATM withdrawals at over 24,000 MoneyPass® ATM locations nationwide.
    The Mercedes-Benz Credit Card from American Express
    16.49% variable
    16.49% Intro APR for 60 days of account opening (with whichever is greater, $5 or 3% balance transfer fee)
    $95
    Earn 10000 Membership Rewards ® points after using your new Card to make $1,000 in purchases within the first 3 months.
    Plenti® Credit Card from Amex
    15.99% to 25.99% variable
    15.9925.99% Intro APR for 60 days of account opening (with whichever is greater, $5 or 3% balance transfer fee)
    $0
    Earn 5000 Plenti® points after you spend $250 in purchases on your Plenti® Credit Card from Amex within your first 3 months of Card Membership.
    Platinum Delta SkyMiles® Credit Card
    16.99% to 25.99% variable
    16.99% to 25.99%% Intro APR for 60 days of account opening (with whichever is greater, $5 or 3% balance transfer fee)
    $195
    Earn 5,000 Medallion® Qualification Miles (MQMs)
    and 35000 bonus miles after you spend $1,000 in purchases on your new card in your first 3 months. In addition, earn a $100 statement credit after you make a Delta purchase with your new card within your first 3 months.
    Gold Delta SkyMiles® Credit Card
    16.99% to 25.99% variable
    16.99% to 25.99%% Intro APR for 60 days of account opening (with whichever is greater, $5 or 3% balance transfer fee)
    $0 annual fee for the first year ($95 thereafter)
    Earn 30000 bonus miles after you make $1,000 in purchases on your new card within your first 3 months and a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
    Delta Reserve® Credit Card from American Express
    16.99% to 25.99% variable
    $450
    Earn 10,000 Medallion® Qualification Miles (MQMs) and 40000 bonus miles after you spend $3,000 in purchases on your new Card in your first 3 months.
    Platinum Delta SkyMiles® Credit Card
    16.99% to 25.99% variable
    16.99% to 25.99% variable% Intro APR for 60 days (with whichever is greater, $5 or 3% balance transfer fee)
    $195
    Earn bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $1,000 in purchases on your new Card in your first 3 months.
    American Express® Green Card
    No interest charges because you pay your balance in full each month
    $0 annual fee for the first year ($95 thereafter)
    Shop with more confidence
    Premier Rewards Gold Card from American Express
    No interest charges because you pay your balance in full each month
    $0 annual fee for the first year ($195 thereafter)
    More Points. More Rewards.
    The Platinum Card® from American Express
    No interest charges because you pay your balance in full each month
    $550
    Get 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5X points on eligible hotels booked on amextravel.com.
    Blue Cash Everyday® Card from American Express
    14.49% to 25.49% variable
    0% Intro APR for 15 months (with whichever is greater, $5 or 3% balance transfer fee)
    $0
    Earn $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $150 back in the form of a statement credit.
    Blue Cash Preferred® Card from American Express
    14.24% to 25.24% variable
    0% Intro APR for 12 months (with whichever is greater, $5 or 3% balance transfer fee)
    $95
    Earn $200 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $200 back in the form of a statement credit.
    Amex EveryDay® Credit Card
    14.24% to 24.24% variable
    0% Intro APR for first 12 months (with whichever is greater, $5 or 3% balance transfer fee)
    $0
    Earn 10000 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months.
    Amex EveryDay® Preferred Credit Card
    14.24% to 24.24% variable
    0% Intro APR for 12 months (with whichever is greater, $5 or 3% balance transfer fee)
    $95
    Earn 15000 Membership Rewards Points after you use your new Card to make $1,000 in purchases in your first 3 months.
    Starwood Preferred Guest American Express Credit Card
    16.49% to 20.49% variable
    16.4920.49 % Intro APR for 60 days (with whichever is greater, $5 or 3% balance transfer fee)
    $0 annual fee for the first year ($95 thereafter)
    Earn 25000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
    USAA Secured Card American Express®
    11.15% to 21.15% variable
    $35
    You can get travel benefits (no foreign transaction fees), retail benefits and collision damage waiver coverage on your rental car.
    USAA Cashback Rewards Plus American Express® Card
    13.15% to 27.15% variable
    $0
    Get high cash back rewards on most purchases, including gasoline, groceries and military base purchases.

    Compare up to 4 providers

    What do I need to know before I apply?

    Eligibility criteria

    In order to apply for the USAA Classic American Express Card, 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® Card could be a helpful solution. Before choosing this card, be sure to compare it with other credit card options.

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