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USAA Military Affiliate American Express Card Review

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With the American Express Military Affiliate Card from USAA, you can choose a credit card with the design of a military affiliate group such as the 1 Marine Division Association, 82 nd Airborne Division Association or the American Legion. USAA's American Express Military Affiliate card offers one point per dollar for all purchases. No annual fees, overdue fees or overseas transaction fees apply, but late payment or return fees of up to $ 35 may be charged. New cardholders enjoy a 12-month introductory period, zero percent, on balance transfers and paychecks. After that, a variable APR of 11.9 to 26.9% applies.

Best Features

No Annual Fees: There are no annual fees charged with the American Express Military Affiliate Card from the USAA.

Sign Up Bonus: The American Express Military Affiliation Card from USAA offers new cardholders a registration bonus of 2,500 points for make their first purchase with the card.

Introductory APR period of 12 months, zero percent: New holders of an American Express American Military Affiliate Card benefit from a period of APR introduction of 12 months, zero percent on balance transfers and checks months after opening an account. After that, a variable APR of 11.9 to 26.9% applies.

Disadvantages

Relatively high interest rates: The TAP of the American Express Military Affiliate card from the USAA ranges from 11.9 to 26.9%. While those with good credit may have to pay only the lower end of the APR range, cardholders with lower credit scores may end up paying an annual interest rate of almost 27%.

Very High Limits: The maximum charge of $ 200 for balance transfers and cash advances with the American Express Military Affiliate Card is very high compared to other cards, typically $ 20, $ 10 or even $ 5 maximum for balance transfers or cash advances. The cash advance fee will be waived if you transfer funds electronically to a USAA deposit account.



Advantages of American Express Military Affiliation Card USAA

Holders of an American Express American Military Affiliate Card can enjoy the following benefits:

  • No overseas transaction fees for foreign purchases
  • Collision Damage Waiver with Rental Vehicle for Property Damage and theft Insurance
  • Concierge Services
  • One year manufacturer's warranty on most items purchased with the card
  • Price Protection
  • Travel and Luggage Insurance

Maximizing the rewards

USAA's American Express Military Affiliate card offers one point per dollar spent on the card, so you'll earn rewards simply by using it. You will earn 2,500 bonus points after marking your first purchase.

Comparison of other maps

American Express Affiliate USAA credit card against Chase Slate

Annual fee: Neither card charges an annual tax bill.

Rewards: With USAA's American Express Military Affiliate Card, you earn one point per dollar for all purchases without spending categories or caps. The Chase Slate Credit Card does not offer any rewards program.

Sign Up Bonus: The USAA USAA Military Affiliate Card offers a 2,500 points registration bonus on your first purchase with the map. The Chase Slate Credit Card does not offer any sign up bonuses.

Advantages: Holders of an American Express Military Affiliate Card do not pay any transaction fees, and also benefit from collision damage insurance, a price guarantee and a one year extended warranty on most items purchased. with the map. Holders of a Chase Slate credit card enjoy benefits such as purchase protection, no APR penalty, Credit Dashboard and a free FICO credit score every month.

American Express USAA Military Affiliation Card Against Citi Simplicity Card

Annual fee: Neither card requires an annual fee.

Rewards: USAA's American Express Military Affiliate card offers one point per dollar for all purchases without categories or caps. The Citi Simplicity Card does not offer a rewards program.

Sign Up Bonus: The USAA USAA Military Affiliate Card gives you a 2,500 points bonus when you make your first purchase with the map. The Citi Simplicity Card does not offer any sign up bonuses.

Advantages: Holders of American Express Military Affiliate do not pay any overseas transaction fees and may benefit from collision insurance, a Concierge service, a price guarantee and an extended warranty of one year. shopping with the card. Citi Simplicity cardholders enjoy benefits such as the Citi Price Rewind roadside emergency service and the Citi private pass.


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