USAA Cashback Rewards Plus American Express® Card review

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Advertiser Disclosure

Interest Rate: Purchases
11.9% ‐ 25.9% (Variable)
Balance Transfer
11.9% ‐ 25.9% (Variable)
Rewards
1 - 5% cashback
Signup Bonus
-


7.5/10
Informr score
The USAA Cashback Rewards Plus American Express® Card currently has an Informr score of 7.5 out of 10. This score is based on our evaluation of 11 sources including reviews from users and the web's most trusted critics.

Am I eligible?


USAA Cashback Rewards Plus American Express® Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

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...


WalletHub

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.

- John S Kiernan, WalletHub
Investopedia

The USAA Cashback Rewards Plus American Express offers USAA members the opportunity to earn outstanding 5% cash back rewards on gas and military-base purchases. The next-best rewards rate, of 2% on groceries, is also solid. The $3,000 annual spending limit in both of those rewards categories should...

- Lance Cothern, Investopedia
FinanceBuzz

A great card for someone who is a USAA member looking to save money on their expenses. With its wide rewards categories, this card can potentially earn you hundreds of dollars in cash back each year. Along with rental car protection and no foreign transaction fees, this card is worth considering for...

- Brett Holzhauer, FinanceBuzz
Credit Cards Explained

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 serv...

- Sean Bryant, Credit Cards Explained
Compare Cards

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 a...

- Compare Cards

Details


Interest Rates
Regular APR Interest Rate 11.9% ‐ 25.9% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 11.9% ‐ 25.9% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 11.9% ‐ 25.9% (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)
  • On combine purchase with military base purchases.
  • After that, earn 1% for the remainder of the year.
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)

  • On combine purchase with gas.
  • After that, earn 1% for the remainder of the year.
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, Google Pay
Virtual Cards No
Additional Benefits
  • Baggage Delay
  • Trip Cancellation/Interruption Insurance
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
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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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