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...
- 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.
- Lance Cothern, InvestopediaThe 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...
- Brett Holzhauer, FinanceBuzzA 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...
- 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...
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)
|
| 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, Google Pay |
| Virtual Cards | No |
| 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 |
Disclaimer: All products, logos, images and trademarks are the property of their respective owners. Content is not provided or commissioned by any company mentioned. Any views, analyses, or recommendations expressed here are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any company mentioned.
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.
The Informr is an independent, advertising supported website and may receive compensation for sponsorships or when you click on certain affiliated links.
Use this card?
Help inform others by sharing your experience with USAA Cashback Rewards Plus American Express® Card
