USAA Improving Rewards Program (e.g 3x On Dining)

USAA has sent out e-mails informing cardholders of increased earning rates. They are as follows:

USAA Rewards American Express Card

• 3x points on dining
• 2x points on gas and groceries
• 1x points on all other purchases

USAA Rewards Visa

• 2x points on gas and dining
• 1x points on all other purchases

Our Verdict

Previously the American Express card still outearned the Visa card, so this is really a positive change across the board. That being said you should be earning at least 2% cash back on all purchases so 2x categories aren’t very useful. In addition it’s possible to earn at a higher rate on dining purchases (e.g Barclays Uber card earns 4% cash back).

Hat tip to reader Rich