USAA AOG American Express Card

AOG Amex Card
AOG Amex Card

The information below is for archival purposes only since the USAA AOG American Express has been discontinued.

USAA has teamed with AOG (Academy of Graduates of United States Air Force Academy) to offer a Military Affiliate American Express Card available only to AOG graduates.

The card features special introductory offers plus the outstanding customer service of USAA and the benefits of an American ExpressCard.


  • 2,500 bonus points with your first purchase.
  • Introductory 0% APR for balance transfers made within first 3 months of account opening (3% fee applies)
  • 2% rewards on gas purchases
  • 2% rewards on grocery purchases
  • 1% rewards on most other purchases
  • Grace period: 25 days
  • Annual Fee: none
  • Balance Transfer Fee: 3%
  • Cash Advance Fee: 3%
  • Foreign Transaction Fee: none
  • APR Balance Transfer: 12.90% to 27.90%
  • APR Revolving Balance: 12.90% to 27.90%
  • APR Cash Advances: 12.90% to 27.90%
  • Purchase protection
  • Zero-liability on unauthorized use of the card
  • Warranty extension when applicable
  • Travel accident and baggage delay insurance
  • Automatic payments to avoid late charges
  • Text or email alerts on purchases, balances, due dates, and more
  • Free credit score
  • Shop in-store without a card by using a mobile wallet
  • Special 4% SCRA Rate on balances during deployment and one year after

2 thoughts on “USAA AOG American Express Card

  1. Looking for an American Express card that allows me to go into Sky Club or American Express lounges during my travels in US and abroad.
    Without spending 600 USD
    Retired service member.

  2. The Delta SkyMiles Platinum, $250 annual fee, allows Sky Club Access at $50 per visit. Delta SkyMiles Reserve at $550 and American Express Platinum Card at $695 still offer complimentary lounge access. The other 14 American Express credit cards are geared towards to hotels, Hilton and Marriott, or dining and every day purchases. Even then lounges are so popular that Conde Nast reports “As of Jan. 1, 2024, those who hold a basic economy class ticket on a Delta flight will not be allowed access to any of the airline’s airport lounges–even if they carry the Platinum Card by American Express or any other co-branded premium credit cards. Those passengers flying in Main Cabin economy with an eligible credit card still retain access. The following year, in February 2025, Delta will also cap Sky Club visits to 6 visits per year for those who hold an AmEx Platinum Card; and 10 visits a year for those who carry the Delta Reserve Credit Card from American Express. In attempts to stem overcrowding, Delta has implemented some changes and restrictions over the past few years. From record-breaking numbers entering their lounges in 2022, the airline’s fees for the annual Sky Club memberships increased from $545 to $695 from the start of 2023, and have only been available for purchase by Diamond, Platinum, Gold, and Silver Medallion members. For companion guests, prices have increased from $39 or 3,900 Delta SkyMiles to $50 or 5,000 SkyMiles.”

    With big demand competitors such as Venture X from Capitol One have emerged. Venture X has a $395 annual fee, but gives you a $300 annual Capital One Travel credit. They offer unlimited access for the cardholder and two guests to 1,300+ airport lounges, among them Capital One Lounges and the Partner Lounge Network (Plaza Premium Group and Priority Pass).

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