Last Updated: 05/14/2026
USAA Cashback Rewards Plus American Express®
Claimed
Last Updated: 05/14/2026
SuperMoney User Recommendation Score 0
Mostly recommended7 total votes
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Highlights
Community Rating
Mostly recommended
Purchase APR (Variable APR)
16.90% - 30.90%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
16.90% - 30.90%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
650 - 850
Annual Fee
$0
Number of Reviews
USAA Cashback Rewards Plus American Express® Review
This is a cashback credit card issued by USAA Federal Savings Bank. If you're wondering whether USAA Cashback Rewards Plus American Express® is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 5x.
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers.
- APRs: USAA Cashback Rewards Plus American Express® has a variable regular purchase APR that ranges from 16.90% up to 30.90%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- A 3% balance transfer fee. USAA Cashback Rewards Plus American Express® charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Gas rewards. on eligible fuel purchases.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, price protection, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of USAA Cashback Rewards Plus American Express®
| The Good | The Bad |
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USAA Cashback Rewards Plus American Express® FAQ
Does USAA Cashback Rewards Plus American Express® have a cash back or rewards program?
No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gas | 5 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Groceries | 2 % cash back for a total of $3000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Free Credit Score
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Trip Cancellation Insurance
- Zero fraud liability
- Price Protection
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for USAA Cashback Rewards Plus American Express®?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.USAA Cashback Rewards Plus American Express® has a variable purchase APR that ranges from 16.90% up to 30.90%. The card has a variable balance transfer APR that ranges from 16.90% up to 30.90%. It also has a variable cash advance APR that ranges from 16.90% up to 30.90%.
The good news is this card does not charge a penalty APR if you are late on a payment.
Does USAA Cashback Rewards Plus American Express® have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0%
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 16.90% - 30.90% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does USAA Cashback Rewards Plus American Express® have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for USAA Cashback Rewards Plus American Express®?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
There is a late fee of up to $35 . Does USAA Cashback Rewards Plus American Express® have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for USAA Cashback Rewards Plus American Express®?
The customer service number for USAA Cashback Rewards Plus American Express® is (800) 531-8722.
What is the support contact email for USAA Cashback Rewards Plus American Express®?
The support contact email for USAA Cashback Rewards Plus American Express® is info@usaa.com.
How do people rate the customer service and user experience of USAA Cashback Rewards Plus American Express®?
Overall, USAA Cashback Rewards Plus American Express® is mostly recommended based on community reviews that rate customer service and user experience.
Does USAA Cashback Rewards Plus American Express® report your account activity to credit bureaus?
Yes, USAA Cashback Rewards Plus American Express® reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does USAA Federal Savings Bank perform a hard credit pull?
Yes, USAA Cashback Rewards Plus American Express® performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for USAA Cashback Rewards Plus American Express®
- Visit the website of USAA Cashback Rewards Plus American Express®.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from USAA Cashback Rewards Plus American Express®
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Other Credit Cards from USAA Federal Savings Bank
Purchase APR
14.90% - 30.90%
Disclaimer popup with additional information
Balance Transfer APR
14.90% - 30.90%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
16.15% - 28.15%
Disclaimer popup with additional information
Balance Transfer APR
16.15% - 28.15%
Disclaimer popup with additional information
Credit Score Range
680 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
14.90% - 30.90%
Disclaimer popup with additional information
Balance Transfer APR
14.90% - 30.90%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
19.15% - 27.40%
Disclaimer popup with additional information
Balance Transfer APR
19.15% - 27.40%
Disclaimer popup with additional information
Credit Score Range
680 - 850
300
850
Annual Fee
$95
Rating not yet determined
Purchase APR
11.15% - 25.15%
Disclaimer popup with additional information
Balance Transfer APR
11.15% - 25.15%
Disclaimer popup with additional information
Credit Score Range
680 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of 0, or 3 on a 5-point rating scale.
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USAA Cashback Rewards Plus American Express® Community Reviews
Would you recommend USAA Cashback Rewards Plus American Express® to your friends?
U
Anonymous
Jun 25, 2015
May or may not recommend
I'm an enormous USAA fan. They have all of my insurance business, as well as my banking business and now my credit card, which I absolutely adore. Getting lots of cash back is so fun for me. What I use the cash back for is gifts for my kids and husband. It saves my budget and allows me to get them some really nice gifts.
U
Anonymous
Jun 25, 2015
May or may not recommend
Before I married into the military, I didn't really use credit cards and didn't think that people who used them for everyday expenses or even big purchases were all that bright. Well, once I tried to live on a military salary as a young family, I found that pulling out plastic is sometimes the only way to get things paid. So that means that having a low interest rate is ...Show More
U
Anonymous
Jun 25, 2015
May or may not recommend
I was hoping I was going to love his card, as my best friend who told me about it does, but I have to say that I am a little disappointed. For one thing, I'm really upset about the fact that my interest rate for the card is really high. I thought that since I'd had another USAA card and always paid on time that I'd get better than 23.9%, ...Show More
U
Anonymous
Jun 25, 2015
May or may not recommend
Great card, providing you stay away from being late and know that there are foreign transaction fees. The latter is important to note, because if you're like me, you end up overseas a lot when you're in the service. At least it is 1%, though, because my last card was the standard 3% foreign transaction fee and that was just way to much on my salary.
U
Anonymous
Jun 25, 2015
May or may not recommend
In love with this card!! I am active military, so I got the first introductory rate of 4% for a year. Totally awesome, as it saved me a bundle considering the card I had before I switched to this one was a crummy 20% interest rate. There is a transfer fee, but it's only 3% and maxes at $200. I also love that there is no annual fee. And perhaps ...Show More
U
Anonymous
Jun 25, 2015
May or may not recommend
Amazing card for someone who wants to travel. There are a lot of perks, such as travel accident insurance and collision damage waiver coverage. And then the cash back of 2.25% on gas really ties it all together. We did a driving tour of upper New York after flying there from the west coast and rented a car and used all of these perks. We came back with a good ...Show More
U
Anonymous
Jun 25, 2015
May or may not recommend
No introductory rate for this one except for the fact that service members get 4% rate for the first year, which I took advantage of, since my wife is serving. I transferred a big balance from another card and was able to get it paid off in a good amount of time.
Showing 7 of 7 reviews
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