USAA or AMEX car buying service? 2009 Yaris 5 dr hb auto $13099

[hobojon]

I have credit cards with USAA and AMEX and both offer a free car buying service that are the same (identical platform). You put in what you want (model/options/etc.) and it gives you a price including the deductions for the current applicable incentives and the name of the closest dealer that will honor the price. For a 2009 Yaris 5 dr h/b automatic, bone stock, it gave me a price for $13099. I was wondering if this is a competitive price and/or has anybody used this service? Does that include the destination or delivery charges?(I think that is $720). It says the invoice price is $13649, the MSRP is $14025, and my member price is $13849 ($200 above invoice) With the $750 incentive my price is $13099 plus ttl. Thanks.