Rewards™ American Express® from USAA Bank Review

All benefits

• Points
  • 3x On dining out.
  • 2x On gas and groceries.
  • 1x On all other Qualifying Purchases.
• Travel
  • Auto Rental Coverage:
  • If you carry comprehensive and liability coverage on your personal car, coverage typically will extend to your rental car within the United States.
  • Travel Accident Insurance:
  • International travel accident insurance provides accident coverage for accidental death and dismemberment and other travel injuries.
  • Trip Cancellation and Interruption Coverage:
  • Trip cancellation kicks in if certain medical or non-medical events occur before you leave home, so you're reimbursed on all or some costs, depending on your coverage. Trip interruption reimburses you if a similar set of events occur after you leave home and during your trip and you're forced to return home.
  • Baggage Delay and Reimbursement:
  • You have the legal right to claim compensation from the airline if your checked-in luggage is delayed, lost or damaged.

Rate and fee information

• Purchase Intro APR
  • None
• Purchase APR
  • 15.15% - 31.15% Variable
• Intro Balance Transfer APR
  • 0% Intro APR for 15 months on Balance Transfers and Convenience Checks that post to your account within 90 days of account opening
• Balance Transfers APR
  • 15.15% - 31.15% Variable
• APR for Cash Advances
  • 15.15% - 31.15% Variable
• How to Avoid Paying Interest
  • Your due date is at least 25 days after the close of each billing cycle. You will not be charged interest on Purchases if you pay your entire balance by the due date each month.

Fees

Pros & Cons

Features

• No Annual Fee
• No foreign transaction fees
• Fraud Protection
• Rewards
• Bonus points
• Purchase Protection
• Lost Luggage Reimbursement
• Baggage Delay Insurance
• Trip Cancellation
• Auto Rental Insurance
• Good Credit
• Excellent Credit