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  USAA Cashback Rewards Plus American Express®

USAA Cashback Rewards Plus American Express®

in Personal Credit Cards from USAA

Claimed

USAA Cashback Rewards Plus American Express®

Claimed

in Personal Credit Cards from USAA

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Highlights
Community Rating Mostly recommended
Purchase APR  (Variable APR) 11.9% - 25.9%
Balance Transfer APR  (Variable APR) 11.9% - 25.9%
Credit Score Range 700 - 850
Annual Fee $0
Number of Reviews 7

USAA Cashback Rewards Plus American Express® Review

USAA Cashback Rewards Plus American Express® is a cashback credit card issued by USAA. If you're wondering whether USAA Cashback Rewards Plus American Express® is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • Generous reward rate. You will get a cashback rewards rate of up to 5%.
  • Competitive APRs. USAA Cashback Rewards Plus American Express® has a variable purchase APR that ranges from 11.9% up to 25.9%.
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. USAA Cashback Rewards Plus American Express® charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees.
  • $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
  • Gas rewards. Earn up to 5% for every $1 you spend on gas.
  • Multiple credit card benefits. Includes generous credit card perks, such as price protection, and fraud protection.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.
USAA Cashback Rewards Plus American Express® Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • No foreign transaction fee.
  • USAA Cashback Rewards Plus American Express® reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a 3% balance transfer fee.
USAA Cashback Rewards Plus American Express® FAQ

Is there a USAA Cashback Rewards Plus American Express® cash back or rewards program?

No, USAA Cashback Rewards Plus American Express® does not offer a rewards program. USAA Cashback Rewards Plus American Express® is a cashback card. This means you earn a percentage of your purchase as a cash reward. With USAA Cashback Rewards Plus American Express® you receive 1% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 5% for purchases in a bonus category.

What are the USAA Cashback Rewards Plus American Express® benefits?

USAA Cashback Rewards Plus American Express® provides the following benefits:

  • Price Protection
  • ID Theft Protection
  • 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. USAA Cashback Rewards Plus American Express® has lower than average purchase APRs.

USAA Cashback Rewards Plus American Express® has a variable purchase APR that ranges from 11.9% up to 25.9%. The card has a variable balance transfer APR that ranges from 11.9% up to 25.9%. It also has a variable cash advance APR that ranges from 11.9% up to 25.9%.

Does USAA Cashback Rewards Plus American Express® have an introductory APR offer on balance transfers?

No, USAA Cashback Rewards Plus American Express® does not come with an introductory APR offer for balance transfers.

Does USAA Cashback Rewards Plus American Express® have an introductory APR offer on new purchases?

USAA Cashback Rewards Plus American Express® does not offer an introductory rate on new purchases.
USAA Cashback Rewards Plus American Express® Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for USAA Cashback Rewards Plus American Express®?

The following fees apply to USAA Cashback Rewards Plus American Express®:

  • There is no overlimit fee
USAA Cashback Rewards Plus American Express® Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee $35
Late Payment Fee $35

Does USAA Cashback Rewards Plus American Express® have a foreign transaction fee?

USAA Cashback Rewards Plus American Express® does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

Does USAA Cashback Rewards Plus American Express® report your account activity to credit bureaus?

Yes, USAA Cashback Rewards Plus American Express® reports your account activity to the following credit reporting agencies:

  • 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 improve your credit.

How to apply for USAA Cashback Rewards Plus American Express®

  • Visit the USAA Cashback Rewards Plus American Express® website.
  • 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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

There is a transaction fee of 3% on balance transfers and cash advances ($200 maximum on each balance transfer and each convenience check). Cash Advance Fee is waived when you transfer funds electronically from your USAA credit card to your USAA Ban

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Every Purchase (Points) Unlimited 1% cash back on all other purchases
Foreign Currency Transaction Fee 0%
No Annual Fee  
No Foreign Transaction Fee  
Annual Fee $0
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee (%) 3%
Returned Payment Fee $35
Late Fee Amount $35
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
  • Price Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Trip Cancellation Insurance
Bonus Rewards 5% cash back on your first $3,000 in combined gas station and military base purchases yearly. 2% cash back on your first $3,000 in grocery purchases yearly
Rewards Rates
  • Every Purchase
  • Gas
  • Groceries
Rewards Type Cash Back
Cash Advance APR (Variable APR) 11.9% - 25.9%
Balance Computation Average daily balance (including new purchases)
Purchase APR (Variable APR) 11.9% - 25.9%
Balance Transfer APR (Variable APR) 11.9% - 25.9%
Balance Transfer Fee % 3%
Card Type
  • Cashback
  • Bonus Offers
  • Gas
Card Network American Express

USAA Cashback Rewards Plus American Express® Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

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Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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