This offer is no longer available on our site: USAA® Rewards™ American Express® Card
USAA® Rewards™ American Express® Card
Great for earning rewards if you’re a USAA member
Annual Fee: $0
This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.
Here’s the average credit limit of members who matched their USAA® Rewards™ American Express® Card or similar cards.
% of members by credit limit range
The average credit limit for members who have matched with this card or similar cards is $8,102, with $1,000 being the most common.
Here’s the average credit score of members who matched their USAA® Rewards™ American Express® Card or similar cards.
% of members by credit score range
The average credit score for members who have matched with this card or similar cards is 678, with 747 being the most common. Note this is just one of the deciding factors when it comes to getting approved.
Member stats
Updated daily
37.7%
Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.
44 years
Average age of members who matched this card or similar cards.
$97,646
Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.
Member reviews
Most helpful positive review
November 20, 2014
Took a week???but Approved!
— Credit Karma Member
I applied last thurs 11/13/14. Didn't get an instant approval or denial either. Called in and was told that the underwriters were manually looking at my application and would take 3-5 business days. What an agonizing wait. Especially since everyone else was either approved instantly or denied instantly. I knew I stood a 50/50 chance because just the month before they had approved an $5k personal loan for me. I got the email in my inbox this morning of approval and my credit card in my online profile. Approved for $7k, pulled my Equifax, score is 690. Very pleased. I'm glad that they looked at my accounts manually and my overall credit profile. It's good to be back in primeville after diligently paying my credit cards ontime for the last 4/5 years. Started rebuilding my credit profile last year...was in the 500's now just a few points shy of being back in the 700s club. I've also relearned credit behavior, so how I was with my credit before, is not how I am with it now. I think for anyone to sucessfully master credit card debt/behaviour, you have to learn to manage your money and let it work for you, not vice versa. Thanks USAA.
Most helpful negative review
November 18, 2018
Don't do it
— Credit Karma Member
Unless you're willing to deal with a company that holds your credit card payments for up to 10 days. Get an American Express card directly from American Express instead. USAA's payment hold policies are awful and violate the federal Truth in Lending Act. 7 to 10 day holds for payments to reflect is unacceptable, artificially increases credit utilization as reported to the bureaus as well as makes your CL inaccessible. No other credit card issuer I know of holds payments that long. The only response from customer service is to read the fine print regarding how long they "can" hold a payment or a recommendation to change banks to USAA for faster payment processing (which does not work).