USAA Cashback Rewards Plus American Express® Card

Issued by USAA Bank, the USAA Cashback Rewards Plus American Express® Card is a credit card that lets you earn cash back rewards as you spend. The card is tailored to those affiliated with the military, and offers special interest rates for members in active military duty and deployment. The card includes a variety of security, travel and retail benefits.

Product NameUSAA Cashback Rewards Plus American Express® Card
Balance Transfer Rate (not intro)12.90% to 26.90% variable
APR for Purchases ( Purchase Rate )12.90% to 26.90% variable
Annual fee$0
Cash Advance Rate12.90% to 26.90% variable
Card TypeAmerican Express
Returned Payment Fee$35
Minimum Interest$0
Minimum Credit ScoreFair (660-699)
Minimum Age18 years of age
Annual fee$0
Returned Payment Fee$35
Over The Credit Line Fee$0
Late Payment Fee$35
Cash Advance Fee3% of the amount of each cash advance (maximum fee for each convenience check: $200)
Rewards ProgramAmerican Express Rewards
Rewards Points per $ spent (AMEX)0
Points ExpiryNever

USAA Cashback Rewards Plus American Express® Card Review

If you have good or excellent credit and are looking for a card that will earn cash back rewards, the USAA Cashback Rewards Plus American Express® Card could be your answer. The main draw of this card is the ability to earn cash back rewards. You can earn 5% on up to $3,000 in military base and gas purchases per year. You can also earn 2% back on up to $3,000 in grocery and supermarket purchases each year. Every other purchase will get you 1% cash back. Earnings from the cash back rewards are paid to you annually, in January.

To be approved for this card, you must qualify for USAA membership and be affiliated with the military yourself, through your spouse, or by a family member. For added security, this card includes chip card technology.

Benefits of the USAA Cashback Rewards Plus American Express® Card

  • No annual fee. You do not have to pay an annual fee to maintain services.
  • Cash back rewards. Earn 5% cash back on up to $3,000 in gas and military base purchases annually on these categories combined. Earn 2% cash back on up to $3,000 in supermarket purchases per year. Earn 1% cash back on all other purchases with no cap. Redeem your cash rewards anytime using your mobile device or computer.
  • Travel benefits. The card includes free concierge services anywhere, and anytime. Additionally, when you are traveling you never have to worry about foreign transaction fees.
  • No penalty APR. If you go over the credit limit or make a late payment, you will not be charged a penalty APR, and your interest rate will not increase.
  • Retail benefits. You can enjoy up to a one year extension on your manufacturers and US store brand warranties.
  • Collision damage waiver. If your rental car becomes victim to physical damage or theft, the card’s included collision damage waiver coverage will pay.

USAA Cashback Rewards Plus American Express® Card Features

  • APR. You can expect to pay a 12.90% to 26.90% variable APR. The rate is the same for purchases, cash and transfers.
  • Military bonuses. If you are deployed or in a permanent change of station, you can enjoy an extra low APR of 4%. You can also qualify for this 4% APR if you are on active duty. This rate applies to all balances. Active service members who don’t qualify for the Servicemembers Civil Relief Act (SCRA) can get the 4% APR on current balances and new transactions.
  • Balance transfers. You will have to pay a 3% fee for both balance transfers and cash advances.
  • Penalty fee. Both late and returned payments can cost you a fee of up to $35.00.
  • Secure. The card includes chip technology for added security. Identity theft resolution services also come with the card in case you become a victim of identity theft. This card is protected by the Zero Liability Policy, and you are not responsible for any unauthorized purchases.
  • Accessible. You can manage your account online or through the mobile app. Additionally, you can send a text to view balance and transaction history. With the card, you can make purchases worldwide.

Compare other American Express credit cards

Rates last updated November 20th, 2017
Name Product APR for Purchases ( Purchase Rate ) Intro APR for Balance Transfer Annual fee Product Description
Wells Fargo Propel 365 American Express® Card
14.99% to 22.99% variable
0% Intro APR for 12 months (with 5% for each balance transfer, with a minimum of $5% balance transfer fee)
$0 annual fee for the first year ($45 thereafter)
20,000 bonus points if you spend $3,000 (net purchases) in first 3 months
Wells Fargo Propel American Express® Card
13.99% to 25.99% variable
0% Intro APR for 12 months (with 5% for each balance transfer, with a minimum of $5% balance transfer fee)
$0
20,000 bonus points if you spend $1,000 (net purchases) in first 3 months
Blue from American Express® Card
16.24, 19.24 or 21.24% variable
16.24, 19.24 or 21.24% variable% Intro APR for within 60 days of account opening (with $5 or 3% of the amount of each transfer, whichever is greater% balance transfer fee)
$0
Earn rewards with no annual fee.
Blue Sky from American Express® Card
18.24, 21.24 or 23.24% variable
18.2421.2423.24% Intro APR for within 60 days of account opening (with $5 or 3% of the amount of each transfer, whichever is greater% balance transfer fee)
$0
Flexible travel rewards and no annual fee.
Hilton Honors™ Card from American Express
16.24% to 20.24% variable
16.2420.24% Intro APR for 60 days of account opening (with $5 or 3% of the amount of each transfer, whichever is greater% balance transfer fee)
$0
Earn 50000 Hilton Honors Bonus Points after spending $1,000 or more in purchases on the Card within your first 3 months of Card Membership.
Hilton Honors™ Surpass® Card from American Express
16.24% to 20.24% variable
16.2420.24% Intro APR for 60 days of account opening (with $5 or 3% of the amount of each transfer, whichever is greater% balance transfer fee)
$75
Earn 100000 Hilton Honors Bonus Points after spending $3,000 in purchases on the Card within your first 3 months of Card Membership.
American Express Serve®
FREE ATM withdrawals at over 24,000 MoneyPass® ATM locations nationwide.
The Mercedes-Benz Credit Card from American Express
16.24% variable
16.24% Intro APR for 60 days of account opening (with $5 or 3% of the amount of each transfer, whichever is greater% balance transfer fee)
$95
Earn 10000 Membership Rewards ® points after using your new Card to make $1,000 in purchases within the first 3 months.
Plenti® Credit Card from Amex
15.99% to 25.99% variable
15.9925.99% Intro APR for 60 days of account opening (with $5 or 3% of the amount of each transfer, whichever is greater% balance transfer fee)
$0
Earn 5000 Plenti® points after you spend $250 in purchases on your Plenti® Credit Card from Amex within your first 3 months of Card Membership.
Platinum Delta SkyMiles® Credit Card
16.74% to 25.74% variable
16.2420.24% Intro APR for 60 days of account opening (with $5 or 3% of the amount of each transfer, whichever is greater% balance transfer fee)
$195
Earn 5,000 Medallion® Qualification Miles (MQMs) and 35000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months. In addition, earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months.
Gold Delta SkyMiles® Credit Card
16.74% to 25.74% variable
16.7425.74% Intro APR for 60 days of account opening (with $5 or 3% of the amount of each transfer, whichever is greater% balance transfer fee)
$0 intro annual fee for the first year, then $95.
Earn 50000 Bonus Miles after you spend $2,000 in purchases with your new Card within the first 3 months† and a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months. Plus, earn an additional 10,000 bonus miles after you make an additional $1,000 in purchases within your first 6 months. Offer expires on 11/8/2017.
Delta Reserve® Credit Card from American Express
16.74% to 25.74% variable
$450
Earn 10,000 Medallion® Qualification Miles (MQMs) and 40000 bonus miles after you spend $3,000 in purchases on your new Card in your first 3 months.
Platinum Delta SkyMiles® Credit Card
16.74% to 25.74% variable
16.7425.74% Intro APR for 60 days (with $5 or 3% of the amount of each transfer, whichever is greater% balance transfer fee)
$195
Earn bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $1,000 in purchases on your new Card in your first 3 months.
American Express® Green Card
No interest charges because you pay your balance in full each month
$0 annual fee for the first year ($95 thereafter)
Shop with more confidence
Premier Rewards Gold Card from American Express
No interest charges because you pay your balance in full each month
$195 for the Premier Rewards Gold Card and $0 for the Basic Card
More Points. More Rewards.
The Platinum Card® from American Express
No interest charges because you pay your balance in full each month
$550
Get 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5X points on eligible hotels booked on amextravel.com.
Blue Cash Everyday® Card from American Express
13.99% to 24.99% variable
0% Intro APR for first 15 months (with $5 or 3% of the amount of each transfer, whichever is greater% balance transfer fee)
$0
Blue Cash Preferred® Card from American Express
13.99% to 24.99% variable
0% Intro APR for 12 months (with $5 or 3% of the amount of each transfer, whichever is greater% balance transfer fee)
$95
Amex EveryDay® Credit Card
13.99% to 23.99% variable
0% Intro APR for first 12 months (with $5 or 3% of the amount of each transfer, whichever is greater% balance transfer fee)
$0
Amex EveryDay® Preferred Credit Card
13.99% to 23.99% variable
0% Intro APR for 12 months (with $5 or 3% of the amount of each transfer, whichever is greater% balance transfer fee)
$95
Starwood Preferred Guest American Express Credit Card
16.24% to 20.24% variable
16.2420.24% Intro APR for 60 days (with $5 or 3% of the amount of each transfer, whichever is greater% balance transfer fee)
$0 annual fee for the first year ($95 thereafter)
Earn 25000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
USAA Secured Card American Express®
10.90% to 20.90% variable
$35
You can get travel benefits (no foreign transaction fees), retail benefits and collision damage waiver coverage on your rental car.
USAA Cashback Rewards Plus American Express® Card
12.90% to 26.90% variable
$0
Get high cash back rewards on most purchases, including gasoline, groceries and military base purchases.

Compare up to 4 providers

How to apply for the USAA Cashback Rewards Plus American Express® Card

Applying for this card is easy, and requires applicants to meet the following eligibility requirements:

Eligibility criteria

  • You are a U.S. citizen or permanent resident of the U.S.
  • You are at least 18 years old
  • You are a member of the military, a veteran who was honorably discharged, or an eligible family member of military personnel

Required documents & information:

  • Full name
  • Residential address
  • Marital status
  • Birthdate
  • Phone number
  • Email address
  • Proof of employment and income amount

If you are affiliated with the military and looking for a credit card that will earn cashback rewards, the USAA Cashback Rewards Plus American Express® Card could be a helpful solution. Before choosing this card, be sure to compare it with other credit card options.

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, read the PDS or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and our Privacy Policy.