USAA
Cashback Rewards Plus American Express® Credit Card
Key Features
| Annual Fee | $0.00 |
| Intro APR | 0% Intro APR Annual Percentage Rate for 15 months on balance transfers and convenience checks that post to your account within 90 days of account opening, thereafter 15.40% to 27.40% variable regular APR Annual Percentage Rate will apply to introductory balances. |
| Regular APR | 15.40% to 27.40% Variable Regular APR No Penalty APR |
| Other Fees | Balance Transfer and Cash Advance fee is 5% of each transaction amount. There is a transaction fee of 5% of the amount of each Balance Transfer, Convenience Check and Cash Advance. The Cash Advance fee is waived when you transfer funds electronically from your USAA credit card to your USAA Bank deposit account. |
| Network | American Express |
About this card
After careful consideration of the individual ratings and the reputation analysis, the USAA Cashback Rewards Plus American Express card receives an overall rating of 3.5 out of 5. This positions it as a 'Good' card. The card's strengths lie in its rewards program, particularly the high cashback rates on gas, groceries, and military base purchases, coupled with the absence of an annual fee and foreign transaction fees. USAA's strong brand reputation further enhances the card's appeal. However, the high regular APR and the spending caps on bonus categories, along with the balance transfer fee, temper the overall value. While it excels as a supplementary card for targeted spending, its limitations prevent it from being an outstanding primary card for all users. The excellent reputation and solid rewards structure contribute to a positive, but not exceptional, user experience.
Pros & Cons
What's great
- No annual fee
- Intro APR period
- Cashback on purchases
- No foreign transaction fees
Things to consider
- High regular APR
- Limited rewards categories
- Balance transfer fee
What this card offers
Rewards
- 5% cash back on your first $3,000 in gas station purchases yearly
- 3% cash back on your first $3,000 in grocery purchases yearly
- Unlimited 1% cash back on other purchases
- 5% cash back on your first $5,000 in military base purchases yearly
Other features
- No Foreign Transaction Fees
- Rely on us — from secure logons to zero liability for unauthorized transactions.see note 5
- Set up a variety of alerts on your mobile device to stay informed.
- Report a lost or stolen card online or in the app.
- Auto Rental Coverage
- Travel Accident Insurance
- Trip Cancellation and Interruption Coverage
- Baggage Delay and Reimbursement
- Access USAA customer service 24/7 online.
- Take advantage of extended warranty protection on U.S. manufacturers' warranties.see note 6
- Add your card to your phone for fast mobile payments or checkouts.
Additional Notes
Important information: If you transfer a balance or write a convenience check to take advantage of the introductory rate offer, you will immediately incur interest on purchases until you pay your balance in full, including any transferred balances.