USAA
Cashback Rewards Plus American Express® Credit Card
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | $200 reward bonus |
| Rewards Rate | 1%-5% Cash Back |
| 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. Transaction fee of 5%. |
| Network | American Express |
About this card
The USAA Cashback Rewards Plus American Express card earns an overall rating of 3.3 out of 5.0. This assessment considers a blend of strengths and weaknesses. The card's robust cashback rewards in specific categories (gas, groceries, and military base purchases) and the absence of an annual fee are significant advantages. The intro APR on balance transfers is valuable. However, the high regular APR and the presence of balance transfer fees detract from its overall appeal. While the card is well-regarded among USAA members and excels as a supplementary card for targeted spending, its limited rewards categories and spending caps prevent it from achieving a higher rating. The solid reputation of USAA contributes positively to the user experience, but the limitations of the rewards program and the high potential APR restrict its broader appeal.
Pros & Cons
What's great
- No annual fee
- Intro APR period
- Generous sign-up bonus
- High rewards rate on some categories
- No foreign transaction fees
Things to consider
- High regular APR
- Limited rewards categories
- Balance transfer fee
What this card offers
Sign-up bonuses
- Earn a $200 reward bonus after spending $1,000 on qualifying purchases within 90 days of account opening.
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
- Rely on us — from secure logons to zero liability for unauthorized transactions.
- 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.
- Add your card to your phone for fast mobile payments or checkouts.
- No Foreign Transaction Fees
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.