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USAA Rewards American Express Card Review

USAA Rewards American Express Card Benefits

USAA Rewards American Express Card holders can take advantage of additional benefits including:

  • No foreign transaction fees when you travel outside the U.S.
  • Rental vehicle collision damage waiver for physical damage and theft coverage
  • 24/7, 365 concierge services
  • One-year extended manufacturer or store warranty on most items purchased with the card
  • Price protection
  • Travel and baggage insurance

Maximizing Rewards

Since you earn three points per dollar on dining, two points per dollar on purchases of gas or groceries and one point per dollar for all other purchases with the USAA Rewards American Express Card, you should use this card for dining, gas and grocery purchases to maximize your benefits.

Comparison to Other Cards

Annual fee: Neither card charges an annual fee.

Rewards: The USAA Rewards American Express Card offers three points per dollar on dining, two points per dollar for all purchases of gas or groceries and one point per dollar for all other purchases. The Bank of America Customized Cash Rewards credit card offers 3% cash back in a category of your choice, including gas, online shopping, travel, dining and drug stores, and 2% cash back at grocery stores and wholesale clubs. The 3% and 2% cash back earnings are eligible on up to $2,500 in combined choice category, grocery store and wholesale club purchases each quarter (then 1%). You’ll earn 1% cash back on all other purchases.

Welcome offer: The USAA Rewards American Express Card gives you a 2,500-point introductory bonus with your first purchase with the card. The Bank of America Customized Cash Rewards credit card gives new cardholders a $200 cash rewards bonus for making $1,000 on purchases in the first 90 days of account opening.

Benefits: USAA Rewards American Express Card holders do not pay foreign transaction fees, and can take advantage of a rental car collision damage waiver, concierge services, price protection and a one-year extended warranty on purchases with the card. With the Bank of America Customized Cash Rewards credit card, you get benefits including monthly FICO credit score access for free, mobile banking, digital wallet and overdraft protection when you connect your Bank of America checking account to your card.

Rewards: With the USAA Rewards American Express Card rewards program, you earn three points per dollar on dining, two points per dollar for all purchases of gas or groceries and one point per dollar for all other purchases with no spending categories or caps. The Discover it chrome card offers 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases per quarter, and 1% unlimited cash back automatically on all other purchases.

Welcome offer: The USAA Rewards American Express Card offers a 2,500-point introductory bonus when you make your first purchase with the card. The Discover it chrome card automatically matches all of the cash back earned at the end of your first year for new cardholders.

Benefits: USAA Rewards American Express Card holders pay no foreign transaction fees, and also get a rental car collision damage waiver, concierge services, price protection and a one-year extended warranty on most items bought with the card. Discover it chrome card holders receive additional benefits including fraud protection, free monthly FICO credit score access and no foreign transaction fees.

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