Am I eligible?
To get this card, you must also:
Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
What the Critics Are Saying...
- Sean Bryant, Credit Cards ExplainedIf you are looking for a new cash back credit card and spend a sizeable amount on either gas or groceries, then the USAA® Cashback Rewards Plus American Express® Card is something that you need to look into. Just be aware that you or someone in your family needs to be a past or present military serv...
- Compare CardsIf you frequently spend money on military bases and on gas and groceries then this rewards card could be a good fit for you. It has low fees and decent cash back rewards rates. With no foreign transaction fees, this card is good option to use overseas without having to worry about getting hit with a...
- Andy Shuman, CreditCards.comFor a card with no annual fee, the USAA Cashback Rewards Plus American Express card offers great benefits and a good cash back rate on select categories.
- John S Kiernan, WalletHubAn excellent choice for anyone with good credit or better who’s eligible for USAA membership and wants to earn bonus rewards on about $6,000 in gas, military and supermarket purchases each year. But beyond that, it’s right around the middle of the rewards-card pack.
- Christina Majaski, Wise BreadOffers the best opportunity for earning the most cash back on your purchases. It is best for members of the military and their families, who frequently shop the 5% categories, but not significantly more than $3,000 per year.
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
13.65% ‐ 27.65% (Variable) This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
13.65% ‐ 27.65% (Variable) This APR will vary with the market based on the Prime Rate. |
| Cash Advance Interest Rate |
13.65% ‐ 27.65% (Variable) This APR will vary with the market based on the Prime Rate. |
| Rates & Fees | |
| Annual Fee | $0.00 |
| Balance Transfer Fee |
3% |
| Cash Advance Fee |
3% Fee waived when transferring funds electronically to a USAA deposit account. |
| Foreign Transaction Fee | $0.00 |
| Over Limit Fee | $0.00 |
| Late Payment Fee |
$35.00 Maximum |
| Promotions | |
| Sign up bonus | No |
| Rewards | |
| All Purchases | 1% cash back |
| Restaurants | No |
| Gas |
5% cash back (on first $3000 spent)
|
| Groceries |
2% cash back (on first $3000 spent) After that, earn 1% for the remainder of the year. |
| Hotels | No |
| Travel | No |
| Pharmacy | No |
| Bills | No |
| Additional Details |
5% cash back on military base purchases (on first $3000 spent)
|
| Features & Benefits | |
| Additional Card Holders | Yes |
| Travel Accident Insurance | Yes |
| Car Rental Insurance | Yes |
| Car Rental Discount | No |
| Extended Warranty | Yes |
| Purchase Protection | No |
| Zero Liability | Yes |
| No Foreign Transaction Fees | Yes |
| Emergency Assistance | No |
| Concierge Service | Yes |
| Price Protection | No |
| Fraud Protection | Yes |
| Free Credit Scores | No |
| Wireless Payments | Apple Pay, Samsung Pay, Android Pay |
| Additional Benefits |
|
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.
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Critic Reviews
A great credit card to use for both gas and grocery purchases
If you are looking for a new cash back credit card and spend a sizeable amount on either gas or groceries, then the USAA® Cashback Rewards Plus American Express® Card is something that you need to look into. Just be aware that you or someone in your family needs to be a past or present military service member.
If you are looking for a new cash back credit card and spend a sizeable amount on either gas or groceries, then the USAA® Cashback Rewards Plus American Express® Card is something that you need to look into. Just be aware that you or someone in your family needs to be a past or present military service member.
A solid cash back credit card
If you frequently spend money on military bases and on gas and groceries then this rewards card could be a good fit for you. It has low fees and decent cash back rewards rates. With no foreign transaction fees, this card is good option to use overseas without having to worry about getting hit with an extra charge for every purchase.
Read full reviewIf you frequently spend money on military bases and on gas and groceries then this rewards card could be a good fit for you. It has low fees and decent cash back rewards rates. With no foreign transaction fees, this card is good option to use overseas without having to worry about getting hit with an extra charge for every purchase.
Read full review
Offers excellent value to USAA members
For a card with no annual fee, the USAA Cashback Rewards Plus American Express card offers great benefits and a good cash back rate on select categories.
For a card with no annual fee, the USAA Cashback Rewards Plus American Express card offers great benefits and a good cash back rate on select categories.
Generous cash rewards card
An excellent choice for anyone with good credit or better who’s eligible for USAA membership and wants to earn bonus rewards on about $6,000 in gas, military and supermarket purchases each year. But beyond that, it’s right around the middle of the rewards-card pack.
An excellent choice for anyone with good credit or better who’s eligible for USAA membership and wants to earn bonus rewards on about $6,000 in gas, military and supermarket purchases each year. But beyond that, it’s right around the middle of the rewards-card pack.
The best gas and military credit card
Offers the best opportunity for earning the most cash back on your purchases. It is best for members of the military and their families, who frequently shop the 5% categories, but not significantly more than $3,000 per year.
Offers the best opportunity for earning the most cash back on your purchases. It is best for members of the military and their families, who frequently shop the 5% categories, but not significantly more than $3,000 per year.
Generous rewards in limited spending categories
For USAA members who live on base and spend plenty of money on base, at the gas station and in grocery stores, the USAA Cashback Rewards Plus American Express Card offers generous cash rewards, plus consumer protections for servicemembers that USAA members expect from the bank’s cards.
For USAA members who live on base and spend plenty of money on base, at the gas station and in grocery stores, the USAA Cashback Rewards Plus American Express Card offers generous cash rewards, plus consumer protections for servicemembers that USAA members expect from the bank’s cards.
A great choice for military families who spend a lot at the pump and on base
The USAA Cashback Rewards Plus American Express Card offers the best cash-back rewards on gas and military base spending of all of the USAA-branded credit cards.
The USAA Cashback Rewards Plus American Express Card offers the best cash-back rewards on gas and military base spending of all of the USAA-branded credit cards.
A great card to earn cash back
I definitely recommend giving the USAA Cashback Rewards Plus American Express a shot. There are many features and benefits unique to USAA, such as the military benefits. Amazingly, there is no annual fee for this card. It’s really rare to receive a cash back rewards card as good as this one with no annual fee!
I definitely recommend giving the USAA Cashback Rewards Plus American Express a shot. There are many features and benefits unique to USAA, such as the military benefits. Amazingly, there is no annual fee for this card. It’s really rare to receive a cash back rewards card as good as this one with no annual fee!
This isn’t a particularly interesting offering
I would recommend this card to someone that spends $3,000 each year at military exchanges. Military exchanges are unbonused spend for other credit cards. I would not recommend this card to those that can get much higher value out of credit card signups and don’t shop on military bases.
I would recommend this card to someone that spends $3,000 each year at military exchanges. Military exchanges are unbonused spend for other credit cards. I would not recommend this card to those that can get much higher value out of credit card signups and don’t shop on military bases.