Review
USAA Cashback Rewards Plus American Express® Credit Card Review: Great rewards for USAA members on gas and groceries.
If you're a USAA member, the Cashback Rewards Plus American Express® Credit Card could be a lucrative choice, offering high cash back rates on gas and groceries. Find out if the perks outweigh the drawbacks in our comprehensive review.
| Annual Fee | $0.00 |
| Regular APR | 15.40% to 27.40% Variable Regular APR No Penalty APR |
| 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. |
| Rewards Rate | 1%–5% Cash Back |
| 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. |
Overview
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
Benefits
Drawbacks
Decision Guidance
Summary
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 re...