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USAA Cash Rewards® American Express® Card
Consumer Reviews, Credit Score and Income Needed, Credit Limits

Picture of USAA Cash Rewards American Express
31 Reviews
Consumer Rating:
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Lowest:
645
Average Score:
727
Highest:
804
All
5 Star
29%
4 Star
16%
3 Star
32%
2 Star
9%
1 Star
12%
1 Star 2 Star 3 Star 4 Star 5 Star
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Credit Score: 694 Credit Limit: 4000 Age: 35-44
Posted 04/14 2016
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
My credit wasn't very good. So to rebuild, one of the cards I got was the USAA secured. After 2 years with the card, I decided to apply for this card and was very happy that I was approved.
 
Credit Score: 645 Credit Limit: 3500 Age: 35-44
Posted 03/19 2015
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
I have always wanted to get an Amex but I kept getting denied. I finally finally managed to get it via USAA. Really happy when I got approved (it was instant) for the USAA cash rewards american express. Score was 645 with EQ and line was $3500.
 
Credit Score: 711 Credit Limit: 2000 Age: 35-44
Posted 10/07 2014
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
I already had the USAA Classic Visa but wanted an Amex. So I applied for the Amex Classic over the phone but the customer rep said I could not do it because I already had the Visa version. But I said that I really wanted the Amex version and she suggested this card. I was approved within a minute or so. Glad to finally have a no annual fee card.
 
Credit Score: 723 Credit Limit: 6000 Age: 45-54
Posted 02/03 2012
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
Score: 723
CL: $6k

Great card. Great customer service.
 
Credit Score: 748 Credit Limit: 12000 Age: 35-44
Posted 11/10 2011
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
I used to carry a couple of Amex cards, the gold card and the blue cash. After I opened a checking account with USAA and bough some insurance from them, I realized that their customer service is a notch above everyone else. I applied for this card and got a decent limit. I canceled the gold card (because of the annual fee) but kept the Blue Cash.

However, this is now the card I always use.
 
Credit Score: 749 Credit Limit: 17000 Age: 45-54
Posted 09/06 2011
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
Payment is super easy with USAA. The new pop-up window is awesome.
 
Credit Score: 799 Credit Limit: 17500 Age: 45-54
Posted 03/24 2010
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
I have had many cards from other companies. Citi, Wells, a couple of credit unions. As far as customer service and how you are treated, nothing compares to USAA.
 
Credit Score: 706 Credit Limit: 7000 Age: 35-44
Posted 12/08 2009
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
score: 706
limit: $7k

customer is great, always friendly and knowledgeable.
 
Credit Score: 726 Credit Limit: 12000 Age: 35-44
Posted 01/28 2009
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
5% cash back on gas and 2% on groceries. The cash back really adds up. Also no annual fee. I love this card and have made it the card I use for most of my spending.
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