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USAA Cashback Rewards Plus American Express® Card review

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Advertiser Disclosure

Annual Fee
$0.00
Interest Rate: Purchases
12.65% ‐ 26.65% (Variable)
Interest Rate: Purchases
12.65% ‐ 26.65% (Variable)
Balance Transfer
12.65% ‐ 26.65% (Variable) (0% for the first 15 months)
Balance Transfer
12.65% ‐ 26.65% (Variable) (0% for the first 15 months)
Rewards
1 - 5% cashback
Rewards
1 - 5% cashback
Signup Bonus
-
Signup Bonus
-


7.6/10
Informr score
The USAA Cashback Rewards Plus American Express® Card currently has an Informr score of 7.6 out of 10. This score is based on our evaluation of 13 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...


FinanceBuzz
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 (in the form of statement credits) each year. Along with rental car protection and no foreign transaction fees,...

- Brett Holzhauer, FinanceBuzz
MyBankTracker
MyBankTracker

The best feature is undeniably the 5% cash back you can earn on gas and commissary purchases and the 2% back earned on groceries. Unfortunately, it's only available for people who can meet USAA’s qualifications for membership. If you can qualify, this card is one of the best cash back credit cards f...

- Rebecca Lake, MyBankTracker
The Balance
The Balance

Good rewards rates for purchases at military-only retailers make the USAA Cashback Rewards Plus American Express® a good fit for military families who like to shop on-base.

- Holly D. Johnson, Madeline Simpson, The Balance
WalletHub
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
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

Details


Interest Rates
Regular APR Interest Rate 12.65% ‐ 26.65% (Variable)

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

Balance Transfer Interest Rate 12.65% ‐ 26.65% (Variable) (0% for the first 15 months)
  • This APR will vary with the market based on the Prime Rate.
  • Your Balance Transfer or Convenience Check must post to your account within 90 days of account opening for the Introductory APR to apply to the transaction.
Cash Advance Interest Rate 12.65% ‐ 26.65% (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)
  • 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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