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.
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
$0
Annual Rewards
5% cash back
on your first $3,000 in combined gas station and military base purchases yearly
Rewards on Approval
N/A
Interest rates
Purchase Rates
17.15%
Cash Advance Rates
17.15%
Balance Transfer Rates
17.15%
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.
Pros
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Generous Cashback Rewards: This credit card offers cashback rewards on various categories, providing cardholders with the opportunity to earn while making routine purchases.
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No Annual Fee: The absence of an annual fee makes it an attractive option for those seeking rewards without the burden of additional costs.
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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.
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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.
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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.
Cons
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Membership Eligibility: USAA membership is limited to active and former military personnel and their eligible family members, which restricts eligibility for this credit card.
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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.
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Foreign Transaction Fees: This card imposes foreign transaction fees, making it less favorable for international use compared to some other credit cards.
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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
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