Credit Score: 677 Credit Limit: 4000 Age: 25-34

Posted 07/02 2015

I only found out after I got the card that you get very little cash back at the start of your annual calendar. It starts of at 0.45% (not even 1%). Problem is that but the time I reach the spending requirement, the cash I earn on groceries is really pathetic. Other cash back cards give you 2%, 3% and even 5% right from the get go. The customer service is great. But as a cash back card, this one sucks.

 

Credit Score: 690 Credit Limit: 5000 Age: 18-24

Posted 01/28 2015

Ok - so I went on an app spree and got approved for the USAA cash rewards amex. My EQ score was 690 though EXP score was about 750. My credit line was $5000 (which is not bad). During this period, I got approved for Amex BCP ($6000) and Capital One Quicksilver ($5000). Time to go on gardening leave for a while and enjoy using these cards. I figured that if I picked and choose which to use, I will earn a decent cash back.

 

Credit Score: 801 Credit Limit: 20000 Age: 45-54

Posted 05/15 2013

USAA is supposedly famous for their customer service. Well, IMO, they are over-rated. When I took a vacation to Europe, I told USAA which countries I was going to and they assured me that I could use the card and also get cash advances if we need to.

Well, guess what, our card was declined and when we called, we were told that we did state we would be in Europe but 'security' did not clear. After being transferred to 'security', they first denied it, but then later admit it was their fault. I have never encountered this with my old Amex! So even though this is an "amex", it is nowhere compared to the "real amex" in terms of usability and service.

 

Credit Score: 707 Credit Limit: 5000 Age: 35-44

Posted 07/24 2011

I cannot believe that my credit card payment was put on hold for 7 days. And guess who I bank with? Yes - USAA. I sent money from USAA's checking account to their credit card department and they need to verify?