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USAA® Cashback Rewards Plus American Express® Card review
Kliment Dukovski is a writer for finder.com, working on credit cards, money transfers, home loans and more. He aims to deliver honest and accurate information to help you make the right financial decisions. Before joining Finder, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies. When he's not writing about finance-related subjects, he writes sci-fi.
The main feature of the USAA® Cashback Rewards Plus American Express® Card is its rewards — you get one of the highest cashback rates on gas and purchases made at military bases. You also get decent cash back on groceries.
Furthermore, if you’re deployed, if you’re in a permanent change of station or if you enter active military duty, you’ll get a low APR for a period.
However, you’ll likely need good to excellent credit to qualify for the card, and you must be eligible for USAA membership.
Earn 5% on gas and purchases made at military bases on up to $3,000 in combined purchases, then 1%, and 2% back on supermarket purchases on up to $3,000 per year. After that, and on everything else you buy, earn 1% back.
No annual fee.
You won’t have to pay an annual fee to own the card.
How much cashback rewards can I earn with the USAA® Cashback Rewards Plus American Express® Card?
Where you spend:
The amount you spend:
Cash back earned:
If your annual spending looks similar to our example, you would earn a total of $240 cash back per year.
Note that the 5% cash back applies for combined purchases of $3,000 annually for the first two categories, and 1% after that. This means if you spend $3,000 on gas but $0 at military bases, you would earn $150 cash back on gas alone.
You’ll also like …
No foreign transaction fee.
You won’t pay any fees for transactions made outside of the US. Similar cards have a foreign transaction fees of up to 3% every time you use your card abroad.
No penalty APR.
If you make a late payment, you’ll only pay up to a $35 fee. With other cards, you could end up with a penalty APR of up to 31%.
Deployment, PCS and SCRA rates.
If you’re deployed or in a permanent change of station, you’ll enjoy a low 4% fixed APR on all balances for 12 months. And if you enter active military duty, you’ll receive the same 4% fixed APR on all current balances until one year after you complete active duty. After that, a variable APR of 13.9% to 27.9% will apply.
Card protection features.
Enjoy zero liability for unauthorized charges, secure logon options and support in case of identity theft.
What to watch out for
Cap on cash back.
You’re limited to $3,000 in combined purchases for the 5% rate and $3,000 for the 2% cashback categories. After reaching the cap for either, you earn 1% back.
No intro APR period.
You start off with a variable APR of 13.9% to 27.9%. If you’re looking to transfer your balance from another account, or if you want to make a large purchase and to pay it off interest-free for a prolonged period of time, check out 0% intro APR cards.
How do I redeem rewards from USAA® Cashback Rewards Plus American Express® Card?
Redeem your cash back at any time by accessing the USAA Rewards Service Center at the USAA website or call 1-800-980-USAA (8722).
I got the card. Now what?
Download USAA Mobile app. Use it to monitor your credit score, to manage your account, set up alerts, track and redeem your rewards and more.
Enroll in Apple Pay, Samsung Pay or Google Pay. This simplifies your credit card payments by using your phone.
Customer service. For any questions, call 210-531-USAA (8722) or 800-531-USAA. For fastest service, USAA recommends calling from Tuesday through Friday. You can also chat online with a customer support representative.
If you’re affiliated with the military and looking for a credit card that earns one of the highest cashback rates on gas, the USAA® Cashback Rewards Plus American Express® Card could be helpful.
No, you can redeem any amount you want, but it must be in $1 increments.
No, you must be a USAA member to apply for the card.
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