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USAA Cashback Rewards Plus American Express Card

USAA Cashback Rewards Plus American Express Card


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  • APR 12.15% to 26.15%
  • Balance Transfer APR 12.15% to 26.15%
  • Cash Advance APR 12.15% to 26.15%
  • Penalty APR None
  • Annual Fee None
  • Cash Advance Fee 3% of the amount of each cash advance (maximum fee for each convenience check: $200)
  • Balance Transfer Fee 3% of the amount of each transfer (maximum fee per transfer $200)
  • Foreign Exchange Fee None
  • Rewards Details 5% on gas and military base purchases, 2% on groceries, 1% on everything else


Expert Reviews

From the Editorial Team

For USAA membership looking for a cash back credit card, this is a good option. The card comes with 5% back on gas and all military base purchases on your first $3,000 annual purchases in these categories. That's a total of $150 cash back! You'll also receive 2% back up groceries with the same limit, and 1% cash back on all other purchases. There is no annual fee with this credit card and the APR is 12.15% to 26.15%.

Expert Reviews of the USAA Cashback Rewards Plus American Express Card

  • 4.0

    Regular APR

  • 4.0

    Intro APR

  • 4.0


  • 4.0


  • star rating 4.0/5

    Overall Rating

The Bottom Line

This is a solid cash back credit card with no annual fee. It comes with some great benefits if your a USAA member.

The Good

The 5% cash back on gas and military base purchases is a nice perk. Also, you don't have to pay an annual fee to earn rewards.

The Not So Good

The $3,000 cap on earning 5% and 2% cash back could inhibit you rewards earning if you're a really big spender in those categories.

Disclaimer: This content is not provided by the card issuer. Any opinions, analyses, reviews or recommendations on this page have not been reviewed, approved or otherwise endorsed by the card issuer. Terms, offers, conditions and rates were correct at the time of writing but may have changed since and not been updated on this page. For up-to-date terms, offers, rates and conditions, please see the issuer’s site.

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