USAA Classic American Express®
USAA Classic American Express®
We're sorry, but the USAA Classic American Express® may no longer be available to new applicants or we may no longer be able to obtain complete information related to this offer.
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Accepted Credit Scores
Fair Credit, Limited History, No Credit
Annual Fee
$35
APR on Purchases
18.65% - 24.65% (V)
Balance Transfer
Balance Transfers Not Allowed
USAA Classic American Express®'s Additional Info
Best for members with average credit.
Make consistent, on-time payments and you could improve your credit rating — sometimes in as little as 12 months.
We'll periodically consider you for an automatic upgrade to a premium credit card based on improved credit and your account history.
Use your card to make purchases worldwide. (Cash advances and balance transfers are not available.)
Retail and Travel Benefits: Collision damage waiver coverage pays for physical damage and theft to most rental vehicles.Identity theft resolutions services provides assistance should you become the victim of identity theft.Extended warranty extends your manufacturers or U.S. store brand warranties for up to one year.Travel accident insurance provides coverage for you and your family members when your card is used to purchase common carrier travel tickets.
Security: Identity theft resolutions services provides assistance should you become the victim of identity theft. Chip card technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.You are not liable for unauthorized purchases.3Get account balances and transaction history by sending a text message.Access your account on usaa.com or from a mobile device.
Special Benefits for Military: Deployment/PCS rate: Get 4% APR on all balances for up to 12 months during deployment or PCS. After 12 months, the regular APR, currently between 18.65% and 24.65%, will apply. This rate will vary with the market based on the prime rate.Special 4% SCRA Rate: When you have a balance on your account at the time you enter active military duty, get 4% APR on that existing balance until one year after you complete active duty.
cash advance fee | Not Available |
cash advance APR | 18.65% - 24.65% (V) |
foreign transaction fee | $0 |
smart chip | Yes, chip-and-PIN |
max late fee | $35 |
max overlimit fee | $0 |
max penalty APR | None |
grace period | 25 days |
Editor's ReviewFact checked
Compare The USAA Classic American Express® vs. Popular Alternatives
annual fee$35 | annual fee$0 | annual fee$39 |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Purchase Intro APRNot Offered | Purchase Intro APRNot Offered | Purchase Intro APRNot Offered |
transfer intro aprNot Offered | transfer intro aprNot Offered | transfer intro aprNot Offered |
Regular APR18.65% - 24.65% (V) | Regular APR29.99% (V) | Regular APR29.99% (V) |
Sponsored Apply Now | Sponsored Apply Now |
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