USAA Bank · American Express · Personal
USAA Bank Rewards (AMEX)
A no-annual-fee card earning USAA Rewards: 3× on Dining, 1× on everything else.
- Annual fee
- $0No annual fee
- Signup bonus
- 2,500 ≈ $25 in travel (our estimate)*
- Top rate
- 3×Dining
- Point value
- 1¢ In travel · 0.9¢ as cash (our estimate)*
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus 2,500 points | $25 | – |
| Points on your spend Enter your spending | $0 | $0 |
| Credits you’d use No statement credits listed | $0 | $0 |
| Annual fee No annual fee | $0 | $0 |
| NetYear one includes the bonus · at your inputs · our estimates* | $25 | $0 |
Bonus terms: 2,500 bonus points after your first purchase
Compare whole wallets See how the Rewards (AMEX) does beside the cards you already hold.
Earning structure
4 categories, 3 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
| Dining | 3× | $3.00 | |
| Gas Stations | 2× | $2.00 | |
| Groceries | 2× | $2.00 | |
| All Other | 1× | $1.00 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- None
- Card type
- Personal
- Network
- American Express
- Bank
- USAA Bank
- Point system
- USAA Rewards
- Travel value (our estimate)*
- 1¢ per point
- Cash value (our estimate)*
- 0.9¢ per point
- Foreign transaction fee
- None
- Transfer partners
- No
- Travel portal redemption
- No
- Cash to travel
- No
Benefits6 · 0 high value
- Car Rental Insurance SECONDARY Auto Rental Collision Damage Waiver
- Cell Phone Protections Cell Phone Protection
- Travel Protections Baggage Delay Reimbursement + 3 more travel protections benefits
See all 6 benefits Free account.
Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.
Alternatives
Head to head with similar cards
 USAA Bank Rewards (AMEX) |  USAA Bank Rewards (VISA) |  USAA Bank Eagle Navigator |  Amtrak Guest Rewards | |
|---|---|---|---|---|
| Annual fee | $0 | $0Same | $95+$95 | $0Same |
| Signup bonus | 2,500 pts | 2,500 pts | 30,000 pts | 20,000 pts |
| Top rate | 3×Dining | 2×Dining, Gas Stations | 3×11 categories | 2×Special, Dining |
| Travel value * | 1¢USAA Rewards | 1¢USAA Rewards | 1¢USAA Rewards | 2.56¢Amtrak Guest Rewards |
| Why it’s here | This card | Same issuer and the same USAA Rewards points | Same issuer and the same USAA Rewards points | Also no annual fee |
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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