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  1. Credit Cards
  2. Cashback Rewards Plus American Express®
USAA

Cashback Rewards Plus American Express®

Built specifically for military members and families, the USAA Cashback Rewards Plus American Express Card excels at everyday driving and base spending. With no annual fee, it serves as a strong niche card for military households looking to maximize rewards on gas and commissary purchases.

Welcome Offer
$200
Annual Fee
$0
Rec. Credit Score
Good
Good For
Military families and commuters
How to ApplyEstimate your value
Cashback Rewards Plus American Express®

All information about Cashback Rewards Plus American Express® has been collected independently by MaxRewards. Cashback Rewards Plus American Express® is no longer available through MaxRewards.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the Cashback Rewards Plus American Express® worth it?

This card is great for...

Gas and military base purchases

No-annual-fee grocery rewards

Built-in travel and cell protections

For eligible military personnel who spend regularly at gas stations or on military installations, this card provides clear value without an annual fee. Earning 5% cash back on up to $3,000 in gas purchases and $5,000 in military base spending each year creates an easy path to substantial annual rewards, particularly for active-duty households.

MaxRewards

MaxRewards Verdict

This card is an ideal pick for military members maximizing cash back on gas and base purchases, though low annual spend caps limit its usefulness as a sole credit card.

Welcome Offer

$200

after you spend $1,000 on purchases on your new card in your first 3 months of card membership.

Est. Value

$200

Required Spend

$1,000

Time Frame

3 Months

Est. Value

$200

Required Spend

$1,000

Time Frame

3 Months

Earning

Rewards

Rewards are earned directly as cash back, with high elevated rates on military base spending, gas, and groceries up to set annual caps.

CategoryRate

Gas

Up to $3,000 spend per year

5%

Military

Up to $5,000 spend per year

5%

Grocery

Up to $3,000 spend per year

3%

Everywhere

1%

Benefits

Insurance

Travel Accident Insurance

When you purchase your travel ticket with your USAA Bank credit card, you’re eligible to receive coverage for loss of life or limb. This coverage applies to air travel, ferry, cruise ship, train or bus transportation.


Auto Rental Collision Damage Waiver

Get built-in car rental coverage worldwide on rentals up to 31 days when you reserve and pay for your rental car with your USAA Bank credit card. To be eligible, decline the collision damage waiver coverage offered by the rental agency. In your country of residence, this coverage is secondary to any other insurance or coverage available to you.


Baggage Delay Reimbursement

If your checked baggage is delayed, you can be reimbursed up to $100 a day, for up to 3 days. Get the essentials you need like clothing and toiletries while waiting for your bags to arrive. To be eligible, pay for your passenger fare with your USAA Bank credit card and report delayed baggage to your common carrier and begin their claim process.


Cell Phone Protection

If your eligible phone is stolen or damaged, you can be reimbursed up to $500 when you pay your monthly cell phone bill using your USAA Bank credit card.


Extended Warranty Protection

This extends the time period of the U.S. manufacturer’s warranty, up to an additional year, on items purchased with your USAA Bank credit card.

Benefits

Other

Purchase Security

This protects your new purchases against theft or damage for 90 days after you buy them with a USAA Bank credit card or with USAA Rewards. It can replace, repair or reimburse you up to $1,000 per claim and up to $10,000 per cardholder.


Trip Cancellation and Interruption

You’re covered for up to $1,500 per covered person, for non-refundable prepaid passenger fare, when your travel is interrupted or canceled. This coverage is available when you buy your ticket with your USAA Bank credit card.

Eligibility

Recommended Minimum Credit

Min: Good
Poor
Fair
Good
Excellent

Good credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing

Rates & Fees

Annual Fee

$0

Purchase APR

15.40% - 27.40%

Variable

Transfer APR

15.40% - 27.40%

Variable

Cash Advance APR

27.40%

Variable

Foreign Transaction Fee

None

Balance Transfer

$0.05

Cash Advance

$0.05

Late Payment

$35

Return Payment

$35

For rates and fees of Cashback Rewards Plus American Express®, please visit the USAA website.

Table of Contents

Cashback Rewards Plus American Express®

Cashback Rewards Plus American Express®

How to Apply

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

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Rec. Credit

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Annual Fee

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Rec. Credit

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