Review
USAA Cashback Rewards Plus American Express® Credit Card Review: Excellent Rewards for Military Families
Earning up to 5% cash back on gas and military base purchases, the USAA Cashback Rewards Plus American Express® Credit Card is a top contender for USAA members. See if its lucrative rewards and perks align with your spending habits.
| 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 |
| Other Fees | Balance Transfer and Cash Advance fee is 5% of each transaction amount. The Cash Advance fee is waived when you transfer funds electronically from your USAA credit card to your USAA Bank deposit account. |
Overview
Pros & Cons
What's great
- No annual fee
- Intro APR period
- Generous sign-up bonus
- Cashback on purchases
- No foreign transaction fees
Things to consider
- High regular APR
- Limited rewards categories
- High balance transfer fee
Benefits
Drawbacks
Decision Guidance
Summary
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 bas...