USAA Cashback Rewards Plus American Express® Card


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.

Card Quick Facts

Card Quick Facts

  • 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

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

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
How to Redeem
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 14.15%–28.15% Variable
Intro Purchase APR -
Foreign Transaction Fee None
Chip Technology Chip-and-Signature & Chip-and-PIN
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR None
Late Fee Up to $35
Returned Payment Fee Up to $35
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 14.15%–28.15% Variable
Balance Transfer Fee 3%
Cash Advances

Cash Advances

Cash Advance APR 14.15%–28.15% Variable
Cash Advance Fee 3%

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Concierge Service

    Call to get personal help with all sorts of tasks, like travel planning, making restaurant reservations, finding hard-to-find items, and finding convenient services nearby, wherever you may happen to be.

Military Benefits

You may or may not qualify for some of these benefits; click here to learn more and see if you qualify.

  • ServiceMembers Civil Relief Act (SCRA)

    The SCRA provides help to active-duty service members, and includes benefits like protection for life insurance policies and reduced interest rates on debts incurred before beginning active duty. USAA will provide an interest rate of 4% for pre-existing USAA credit card debt and loans, and a rate of 6% for other debts like credit cards, mortgages, auto loans, and others.

  • Qualifying Campaign Level

    Members who receive a qualifying campaign medal can receive a rebate for all of the interest incurred during their campaign. The qualifying campaign medals include the Global War on Terrorism Expeditionary Medal, the Iraq Campaign Medal, and the Afghanistan Campaign Medal.

  • Identity Theft Resolution Services

    If you become a victim of identity theft, this service provides help with contacting the credit bureaus, getting a new credit card, and going through the proper legal proceedings.

  • Identity Fraud Expense Reimbursement

    You won’t be held liable for unauthorized charges as a result of identity fraud.

  • Price Protection

    If you find an item you bought being advertised for a lower price within 120 days of the purchase, you could be reimbursed for the price difference (up to $250 per claim, up to 4 claims per year).

  • Extended Warranty

    Doubles the manufacturer’s original warranty, up to a maximum of 2 years for most items.

  • Travel Assistance Services

    Available when traveling 100 miles or more from home, provides help like information on travel requirements, locating documents or lost items, or arranging emergency money transfers.

  • Worldwide Automatic Travel Accident, Baggage Delay and Trip Cancellation/Interruption Insurance

    Provides insurance in case of a tragic accident, funds to reimburse purchases if your bags are delayed, and reimbursement if your trip is interrupted for eligible reasons.

  • Rental Car Insurance

    Provides coverage against damage and theft of rental vehicles, as long as the rental company’s own insurance is declined.

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