USAA® Cashback Rewards Plus American Express® Card

Robin Saks Frankel  in  Cash Back How we rate our cards  |  Advertiser Disclosure
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Recommended Credit Score

Good to Excellent (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Annual Fee:
Purchase Intro APR:
Regular APR:
11.90% to 25.90% Variable
Terms and Restrictions Apply

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The USAA Cashback Rewards Plus American Express Card offers the best cash-back rewards on gas and military base spending of all of the USAA-branded credit cards.


Military personnel and their family members can greatly benefit from the low rates and perks offered by the USAA Cashback Rewards Plus American Express Card. The pumped-up cash-back rewards of 5% on gas and military base purchases, up to a combined $3,000 in annual spending in these categories, after which it drops down to 1% cash back rewards. It pays 2% cash back on supermarket spending up to $3,000 annually, after which it drops down to 1% cash back rewards. All other spending earns an unlimited 1% cash back.

Who should own this card

Anyone who is affiliated with, or a family member of, someone in the military could benefit from the low rates and tiered cash-back rewards program offered by this card.


  • Offers rewards specifically for military base spending.
  • There are no foreign transaction fees with this card.
  • If you make a late payment, it won’t affect your APR, but you’ll have to pay a late fee of up to $35.
  • Terms apply.


  • Eligibility is limited to those who have or have had an affiliation with the military, either through service, work or family.
  • There’s no sign-up bonus.
  • You have to have a good to excellent credit score to qualify.

Fees and APR

  • 13.40% – 27.40% for Variable APR.
  • Pay no annual fee.
  • Late payments won’t affect your APR, but you may be subject to a late fee of up to $35.
  • There are no foreign transaction fees on purchases made outside the U.S.

Extras, perks and using points

If you rent a qualifying car for 31 days or less and pay using your USAA card, you’ll get insurance coverage for physical damage to the car or theft.

With the price protection feature of this card, you may be eligible for a refund to your card of the price difference if you find a lower price on a new item you bought with the card within 120 days of your purchase.

This card offers extended warranty protections up to one year longer than the original manufacturer’s warranty.

Cardholders also receive access to a 24-hour concierge, emergency services including roadside assistance and trip cancellation or interruption insurance.

You can redeem your rewards anytime, but it must be in increments of $1. To do so, log into your account online or through your mobile app.