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USAA® Cashback Rewards Plus American Express® Card

USAA® Cashback Rewards Plus American Express® Card

Earn up to 5% Cash Back

USAA® Cashback Rewards Plus American Express® Card
  • Regular Purchase APR 11.9% to 25.9% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 11.9% to 25.9% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 11.9% to 25.9% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network American Express
Best Benefits
  • Earn a $150 bonus after you make $500 in Qualifying Purchases within the first 90 days of opening your account
  • Get free collision damage waiver coverage to pay for physical damage and theft to most vehicle rentals
  • Extend your manufacturers warranty at no extra cost
Rates & Fees
  • Regular Purchase APR: 11.9% to 25.9% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 11.9% to 25.9% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: 3% of the amount of each transfer
  • Cash Advance APR: 11.9% to 25.9% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: 3% of the amount of each cash advance. Fee waived when transferring funds electronically to a USAA deposit account
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $35

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At a Glance

The USAA® Cashback Rewards Plus American Express® Card helps cardholders who spend regularly on gas and groceries earn cash back, and offers special features for military members. They can also enjoy no foreign transaction fees, no annual fee, and no penalty APR.

Ideal for Those Who:

  • Are in the U.S. military or are related to someone in the U.S. military
  • Want cash back on regular purchases such as gas and groceries
  • Want no annual fee
  • Want no foreign transaction fees

USAA® Cashback Rewards Plus American Express® Card Review

Cardholders who use the USAA® Cashback Rewards Plus American Express® Card receive 5% cash back on gas, 2% on their first $3,000 in supermarket purchases every year, and 1% on all other purchases. Military members who use the card on military bases can get 5% cash back on goods and services. In addition to getting cash back on purchases, the USAA® Cashback Rewards Plus American Express® Card offers free collision damage waiver coverage to pay for the cost of physical damage or theft to most rental vehicles. Members of the military who are on deployment/PCS get 4% APR on all balances for up to 12 months with the USAA® Cashback Rewards Plus American Express® Card. If they have a balance on their account at the time of entering active military duty, they’ll get 4% APR on that balance until a year after they complete active duty.