USAA Military Affiliate American Express
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How we calculate effective rate →
The USAA Military Affiliate American Express from USAA earns up to 2% effective value on grocery in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Grocery
- Effective value
- 2%
- Annual fee
- $0
Best for grocery-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in grocery and can earn 2% back.
What does the USAA Military Affiliate American Express earn in each category?
Grocery is the strongest category at 2% effective value (2% back). That grocery rate ranks higher than about 69% of the 2,855 cards we track in that category. The five-category effective-rate table on this page shows how USAA Military Affiliate American Express compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight groceries at 2x among the.
Grocery is the strongest category at 2% effective value (2% back). That grocery rate ranks higher than about 69% of the 2,855 cards we track in that category. The five-category effective-rate table on this page shows how USAA Military Affiliate American Express compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1% back | 1% |
| Grocery Supermarkets and grocery stores | 2% back | 2% Top category |
| Gas Gas stations and fuel | 2% back | 2% |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 1% back | 1% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the USAA Military Affiliate American Express?
The USAA Military Affiliate American Express fits spenders who put meaningful volume in grocery and can earn 2% back. Best for spenders who put meaningful volume in grocery and can earn 2% back.
USAA Military Affiliate American Express fits spenders who put meaningful volume in grocery and can earn 2% back. Madeen ranks its grocery effective rate higher than about 69% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in grocery and can earn 2% back.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for grocery-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is grocery at about 2% effective (2% back).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- Compare simpler no-fee cards if you want minimum complexity.
Does the USAA Military Affiliate American Express have an annual fee?
The USAA Military Affiliate American Express has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
Related encyclopedia topics
Common questions about the USAA Military Affiliate American Express
Where do cardholders spend most with the USAA Military Affiliate American Express?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on groceries (2x), gas (2x) for the USAA Military Affiliate American Express. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the USAA Military Affiliate American Express have an annual fee?
The USAA Military Affiliate American Express carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the USAA Military Affiliate American Express?
Grocery is the strongest Madeen category for the USAA Military Affiliate American Express at about 2% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the USAA Military Affiliate American Express charge foreign transaction fees?
The USAA Military Affiliate American Express does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What credit score do you need for the USAA Military Affiliate American Express?
Madeen's catalog lists a typical credit range of Good for the USAA Military Affiliate American Express. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the USAA Military Affiliate American Express?
Rewards on the USAA Military Affiliate American Express post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the USAA Military Affiliate American Express compare to similar cards?
Compare the USAA Military Affiliate American Express against USAA Cashback Rewards Plus American Express (5% on Gas, $0 fee); USAA Rewards™ American Express (3% on Dining, $0 fee); USAA Limitless™ Cashback Rewards (2.5% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
USAA Military Affiliate American Express This card | Grocery | 2% | $0 |
| Gas | 5% | $0 | |
| Dining | 3% | $0 | |
| Dining | 2.5% | $0 | |
| Dining | 2% | $95 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for grocery spend to see which cards win at checkout.
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Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
USAA and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of USAA. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure