Skip to content

USAA Cashback Rewards Plus American Express® Card

Advertiser Disclosure

Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.

The USAA Cashback Rewards Plus Amex Card earns 5% cash back on gas and military base purchases and 2% back at supermarkets, for no annual fee. This card is only available to members of the military and their families.

Our rating
Min. credit level: Excellent
Annual Fee: $0
Regular APR: 11.90%–25.90% Variable

USAA Cashback Rewards Plus American Express® Card

Our rating
Excellent Min. credit level
$0 Annual Fee
Apply Now Read Our Review

Highlights & Features


Spending Rewards
  • 5% cash back on the first $3,000 spent per year (then 1%) on:
    • Gas
    • Military base purchases
  • 2% cash back on the first $3,000 spent per year on Groceries (then 1%)
  • 1% cash back on all other purchases

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR 11.90%–25.90% Variable
Balance Transfer Fee 3%
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee Up to $35
Returned Payment Fee Up to $35
Additional Cards Annual Fee N/A
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 11.90%–25.90% Variable
Cash Advance Fee 3%
How to Get a Cash Advance with a Credit Card

Card Benefits

  • Concierge Service
  • Free Credit Score
  • Zero Liability on Unauthorized Charges
  • Extended Warranty Protection
  • No Foreign Transaction Fee
  • Auto Rental Insurance
  • Emergency Travel Assistance
  • Trip Interruption Insurance
  • Baggage Delay Insurance
  • Travel Accident Insurance
USAA Cashback Rewards Plus American Express® Card


  • Earn 5% cash back on your first $3,000 in gas and military base purchases annually on these categories combined
  • Earn 2% on your first $3,000 on supermarket purchases per year
  • Unlimited 1% cash back on all other purchases
  • USAA membership is available to active and former military and their eligible family members

USAA Savings

USAA Savings has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-531-8722 or

Try a different phone number
See all Issuer Cards

The USAA Cashback Rewards Plus American Express® Card is a solid card for earning rewards.

It offers a generous reward of 5% cash back on gas and military base purchases, on up to $3,000 spent per year (then 1%). You’ll also get 2% cash back on the first $3,000 spent on supermarket purchases each year (then 1%).

This card has no annual or foreign transaction fees and you can check your FICO Score 8 for free, based on Experian credit report data.

USAA cards are only available to members of the military, active or honorably discharged, as well as certain members of their family. Click here for details on USAA eligibility.

Scroll to top