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HighlightsCredit Card Feature
Things We LikeEarn 2.25% cash back on gas and grocery purchases
Our Least Favorite No introductory APR on purchases or balance transfers
Our Verdict Great card for special benefits for military

USAA Cash Rewards® American Express® Card is a cash back card that's exclusively for military members, veterans that have received an honorable discharge, and eligible members of their family. With this card military members can enjoy low APR rates when deployed or on active military duty while earning cash back on their spending.

Here is a summary of the main features of USAA Cash Rewards® American Express® Card so that you can decide if this is a good credit card for you.

Things We Like About USAA Cash Rewards® American Express® Card

No annual fee. You don't have to pay any annual fee when using this card which is great because all your cash back earnings will be savings.

Earn up to 2.25% cash back on gas and grocery purchases and up to 1.25% cash back on the rest of your purchases. Here's how your cash back will be earned: If you spend up to $5,000 in annual net purchases you will earn 0.45% cash back, if your annual net purchases range from $5,000 to $10,000 you will earn $22.50 cash back plus 0.85% cash back on annual net purchases over $5,000, If your annual net purchases range from $10,000 to $17,000 you will earn $65 cash back plus 1% cash back on your annual net purchases over $10k, if your annual net purchases are $17,000 or more then you will earn $135 cash back plus 1.25% cash back on your annual net purchases over $17,000.

You can earn unlimited cash back. There is no cap to the amount of cash back you can earn, which means that the more you spend, the more you earn.

Enjoy special benefits for military. If you are on active duty, deployed or PCS you can enjoy these extra benefits:

Military Campaign Benefit. All the finance charges you accrue while serving on a military campaign will be rebated if you received a qualifying campaign medal, such as an Iraq or Afghanistan Campaign Medal, an Operation New Dawn Medal, or a Global War on Terrorism Expeditionary Medal. Keep in mind that you must notify USAA within 6 months of completing the campaign if you want to be eligible for this benefit.

Special 4% SCRA rate. You will get 4% APR on your existing balances which will last from the time you enter active military duty until one year after you've completed active duty.

Deployment/PCS rate. Enjoy 4% APR for up to 12 months on all your balances during deployment or PCS. After these 12 months you will have 10.40% - 26.40% variable APR.

Help during deployment. You will enjoy other help during your deployment as well as before and after.

Receive your cash rebate automatically each year. Every January you'll receive the cash back you earned on your purchases in the past 12 months.

Your cash advance fee (3%) is waived when you transfer money electronically to your USAA Bank deposit account from your USAA credit card.

Extended warranty which can extend the original store brand or manufacturer's warranty for up to one year.

Price Protection. If you find the item you purchased for a lower price within 120 days of purchase, you may be reimbursed with the difference in price. Keep in mind that you must see a printed advertisement or a non-auction internet advertisement that verifies the same manufacturer and model number of the item you purchased. You can file a maximum of 4 claims per cardholder account each 12-month period, and can receive up to $250 per claim.

Rental car insurance that will give you up to 31 consecutive days of worldwide coverage for your rental vehicle covering it in the case of theft or physical damage. To receive this insurance you must purchase the entire car rental with this card and remember to decline the optional collision/damage waiver that the rental company offers you.

Identity theft resolution services and identity fraud expense reimbursement help you when you think you're a victim of identity theft as well as if that is truly the case.

Worldwide automatic travel accident insurance. You may receive up to $500,000 in travel accident insurance if you suffer an accident that causes dismemberment, loss of sight, hearing or speech, as well as accidental death.

Baggage delay insurance. With this benefit you may be reimbursed with up to $100 per day for a maximum of 3 days if your baggage is delayed. This applies when you're on a trip to a place other than your primary residence, and when your baggage is delayed for more than 4 hours from the time of your arrival.

Trip cancellation/interruption insurance. This insurance gives you up to $1,500 if your trip is cancelled or interrupted for eligible reasons, during your travels.

Travel assistance services will provide you with information about your destination before you travel, such as the exchange rates and information about travel requirements, like visas documentation needed. Keep in mind that this service won't provide you with maps or road condition information.

Concierge service that will assist you every day at any time, whether it be to plan a trip, remind you of special dates or get access to unique entertainment and dining venues.

You won't be liable to pay for unauthorized purchases, as long as those purchases aren't made by anyone with apparent authority and from which you could receive direct or indirect benefits. Keep in mind that you must report any unauthorized transactions.

Enjoy additional convenience by accessing your account online or from a mobile device. You may also receive your transaction history and get your account balances by simply sending a text message.

Chip technology gives this card global acceptance and extra security when making purchases at chip-enabled terminals.


Our Least Favorite Things About USAA Cash Rewards® American Express® Card

No introductory APR on purchases or balance transfers. This card doesn't give you an introductory period with a low APR on purchases or balance transfers. However, it does give you a 4% APR during deployment and active military duty. Thereafter your APR will depend on your credit worthiness and other factors, and you'll have a 10.40% - 26.40% variable APR on purchases, cash (there's a 3% cash advance fee) and balance transfers (keep in mind that there is a 3% balance transfer fee for each balance transferred).

Your cash rebate is awarded every January for the purchases you made during the previous 12 months, and you have to wait until then to redeem your cash back. That means that if you want to make a big-ticket purchase to redeem the cash back for a special event, you'll have to plan ahead.

USAA Cash Rewards® American Express® Card is a cash back credit card with no annual fee for veterans that have received an honorable discharge, military members and eligible family members. My favorite thing about this card is that you receive special benefits such as low 4% APR when you're on active duty or during deployment (10.40% - 26.40% variable APR after that). You will even receive all finance charges accrued while you were in a qualifying military campaign as a rebate!

Apart from earning cash back and the special military benefits, as this is an American Express card, you will also enjoy additional perks such as extended warranty, collision coverage, travel assistance, and more.

This card offer is currently unavailable through GET.com! However, click here to check out our best rated Cash Back Credit Cards.