Is USAA® Rewards™ American Express® Card worth it?
USAA® Rewards™ American Express® Card can be a fit for people comparing general cards from USAA. The main things to weigh are the $0 annual fee, the rewards structure, and whether the benefits match your spending habits.
Rewards breakdown
Wafacard summary: this everyday credit card should be compared by its annual fee, issuer terms, reward fit, and benefit usefulness for your normal spending.
Intro offer: Intro value may include 2,500 points. Confirm current requirements with the issuer.
Card details
Wafacard note: key fit signals include cell phone protection may be available, extended warranty coverage may be included, baggage coverage may be included, no yearly card fee. Availability, exclusions, and enrollment rules can vary by issuer terms.
- Network
- American Express
- Review status
- Terms reviewed 6/30/2026
Fees and terms
Rates and fees can change by applicant profile and issuer updates. Confirm current terms on the issuer website before applying.
- Annual fee
- No annual fee
- Purchase APR
- APR range: 11.4% - 27.4%
- Balance transfer APR
- APR range: 11.4% - 27.4%
- Cash advance APR
- Check issuer terms
- Foreign transaction fee
- Check issuer terms
- Late payment fee
- Check issuer terms
- Grace period
- Check issuer terms
- Recommended credit
- Excellent (720+)
- Terms last updated
- 6/22/2026
Key benefits
- Cell phone protection may be available
- Extended warranty coverage may be included
- Baggage coverage may be included
- No yearly card fee