USAA Cashback Rewards Plus American Express Card review

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Advertiser Disclosure

Interest Rate: Purchases
14.15% ‐ 28.15%
Balance Transfer
14.15% ‐ 28.15%
Rewards
1 - 5% cashback
Signup Bonus
-


7/10
Informr score
The USAA Cashback Rewards Plus American Express Card currently has an Informr score of 7 out of 10. This score is based on our evaluation of 8 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...


CreditCards.com

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.

- Andy Shuman, CreditCards.com
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
Wise Bread

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.

- Christina Majaski, Wise Bread
SmartAsset

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.

- SmartAsset
Bankrate

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.

- Robin Saks Frankel, Bankrate

Details


Interest Rates
Regular APR Interest Rate 14.15% ‐ 28.15%

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

Balance Transfer Interest Rate 14.15% ‐ 28.15%

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

Cash Advance Interest Rate 14.15% ‐ 28.15%

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

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 3%

Maximum of $200

Cash Advance Fee 3%

Maximum of $200

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 Yes
Fraud Protection Yes
Free Credit Scores No
Wireless Payments Apple Pay, Samsung Pay, Android Pay
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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Critic Reviews


CreditCards.com

Offers excellent value to USAA members

from CreditCards.com

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.

Read full review

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.

Read full review

Less

WalletHub

Generous cash rewards card

from 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.

Read full review

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.

Read full review

Less

Wise Bread

The best gas and military credit card

from Wise Bread

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.

Read full review

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.

Read full review

Less

SmartAsset

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.

Read full review

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.

Read full review

Less

Bankrate

A great choice for military families who spend a lot at the pump and on base

from Bankrate

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.

Read full review

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.

Read full review

Less

Credit Cards Explained

A great credit card to use for both gas and grocery purchases

from 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 Cash Back 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.

Read full review

If you are looking for a new cash back credit card and spend a sizeable amount on either gas or groceries, then the USAA Cash Back 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.

Read full review

Less

Hustler MoneyBlog

A great card to earn cash back

from Hustler MoneyBlog

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!

Read full review

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!

Read full review

Less

Doctor Of Credit

This isn’t a particularly interesting offering

from Doctor Of Credit

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.

Read full review

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.

Read full review

Less

User Reviews


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