Credit Score:
702
Credit Limit:
5000
Age:
35-44
Posted 08/22 2016
I had the USAA Classic Amex and decided get another USAA Amex card. I was thrilled to have been approved for this because it has no annual fee. But after having used the card for a while, I wished I applied for the amex plus instead. I spend too little to earn the most rewards cos it is tiered. It starts off at 0.45% and gradually increases. Based on how I use the card, I might barely reach 1%.
Credit Score:
713
Credit Limit:
5000
Age:
45-54
Posted 01/09 2016
To be honest, I am a little disappointed at the cash back rewards. It is my fault that I did not read the terms and conditions in detail. But then I realized that initially, you only earn 0.45% cash back. You earn more as your yearly spending increases. I did my round of research and seriously cannot find any other cash back card that works like that. I am looking at the cash rewards amex plus and think I might switch to that card. Having said all that, nothing beats USAA's customer service.
Credit Score:
690
Credit Limit:
4500
Age:
35-44
Posted 11/25 2015
Score: 690 (avg)
Limit: $4500
Pros:
1. Great customer service
2. No annual fee
Cons:
1. Cash rewards - starts off low (0.45%) like many have mentioned here.
2. Payment holds for no reason (7 days )
3. I found out when I traveled that Amex is not as widely accepted.
I would suggest their Visa or Mastercard instead
Credit Score:
756
Credit Limit:
8000
Age:
35-44
Posted 11/28 2012
I have really enjoyed the service provided by USAA and this card has been great. However, I cannot understand how USAA puts a hold on your payment for 10 days for no reason. It happened to me twice and all I was told was that they reserve the right to do so. I have always paid on time and this really bothers me.
Credit Score:
694
Credit Limit:
5000
Age:
25-34
Posted 10/13 2012
I got this card but then regretted that I did not choose another version. Didn't realize that you will only earn .45% cash back for the first $5,000 in annual spending. I have never heard of this before. Even the worst cash back cards started out with 1%.
Credit Score:
804
Credit Limit:
20000
Age:
35-44
Posted 04/28 2012
I have been with USAA for over 10 years and the customer service is top notch. However, I really do not understand why they are offering a cash back card like this. I found out that you could only earn 0.45% initially. Only after spending $10k will you earn 1% cash back. This is ridiculous. I could easily get a Capital One quicksilver and earn 1.5% cash back for everything - plain and simple.
Credit Score:
793
Credit Limit:
20000
Age:
35-44
Posted 04/09 2011
I applied for this without looking at the cash back rewards. It turns out that you only start of by earning 0.45% and the max is 1.25% after you spend $10000. There are other cards like Capital One Quicksilver that lets you earn 1.25%. So from a reward point of view, this card just does not make the card. I will be canceling soon.
Credit Score:
786
Credit Limit:
18000
Age:
35-44
Posted 06/05 2010
I have been with USAA for many years and the customer service has been excellent.
However, for the credit card web site, it leaves a lot to be desired. It is hard to find my account number. Categorizing an expense is nearly impossible. The statement includes items that have been paid off.
Surely USAA can go better than that?
Credit Score:
732
Credit Limit:
9000
Age:
45-54
Posted 10/13 2009
I got this card and realized the cash rewards were kind of tiered (you have to spend more to earn more). When I did my calculations, I realized that no matter how much or little I spent, I would be better off with another card. I got the USAA cash back amex plus instead (which I think is much better).
If you are deciding on this card, get the amex plus instead.
Credit Score:
676
Credit Limit:
6000
Age:
25-34
Posted 06/16 2009
This card is okay and you can earn a lot on gas and grocery store purchases. Only thing is it wasn't always accepted when I was overseas. You can get the same card as a Mastercard or visa, which is what I would recommend if you travel (or because of military) are overseas.
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