USAA Cashback Rewards Plus American Express® Credit Card

Welcome Bonus

0% intro APR

Get a 0% intro APR for 15 months on balance transfers and convenience checks that post to your account within 90 days of account opening

Annual Fee


Annual Rewards

5% cash back

on your first $3,000 in combined gas station and military base purchases yearly

Rewards on Approval


Interest rates

Purchase Rates


Cash Advance Rates


Balance Transfer Rates


Table of Contents

USAA Cashback Rewards Plus American Express® Credit Card

The USAA Cashback Rewards Plus American Express® Credit Card is tailored for individuals associated with the military, offering competitive cashback rewards on everyday purchases. With the reliability of American Express and the commitment of USAA, cardholders enjoy financial perks alongside exclusive benefits designed to meet the unique needs of military members.


  1. Generous Cashback Rewards: This credit card offers cashback rewards on various categories, providing cardholders with the opportunity to earn while making routine purchases.

  2. No Annual Fee: The absence of an annual fee makes it an attractive option for those seeking rewards without the burden of additional costs.

  3. Military-Focused Benefits: USAA's commitment to the military community is evident in the card's benefits, including deployment and military campaign benefits, and special SCRA (Servicemembers Civil Relief Act) interest rate.

  4. Flexible Redemption Options: The earned cashback can be easily redeemed, giving cardholders flexibility in how they choose to use their rewards, whether as a statement credit, direct deposit, or towards specific USAA accounts.

  5. American Express Security and Services: As an American Express card, it comes with the security features and services associated with the brand, including fraud protection, global assistance, and access to exclusive events.


  1. Membership Eligibility: USAA membership is limited to active and former military personnel and their eligible family members, which restricts eligibility for this credit card.

  2. Limited Acceptance: While American Express is widely accepted, there may be instances where merchants do not support this card, potentially limiting its usability in certain locations.

  3. Foreign Transaction Fees: This card imposes foreign transaction fees, making it less favorable for international use compared to some other credit cards.

  4. Tiered Cashback System: The cashback rewards are tiered, with different rates for different spending categories. Some users may prefer a flat-rate cashback card for simplicity.

Details & Eligibility

  • N/A
  • N/A
  • N/A
  • $0
  • N/A
  • Amex
  • No
  • 17.15%
  • 17.15%
  • 17.15%
  • N/A
  • N/A
  • N/A
USAA Cashback Rewards Plus American Express® Credit Card is a financial product offered by the United Services Automobile Association (USAA), a renowned financial institution primarily serving members of the military community and their families. This credit card, in particular, is designed to provide cashback rewards, making it an appealing choice for those who want to earn rewards while enjoying the benefits of an American Express credit card. In conclusion, the USAA Cashback Rewards Plus American Express® Credit Card is a compelling choice for members of the military community who prioritize cashback rewards, value American Express benefits, and are eligible for USAA membership. The card aligns with the financial needs of military personnel and their families, offering a blend of rewards, security, and exclusive benefits.
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