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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

SuperMoney Net Recommendation Score 0% 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.

Mostly recommended

1 user recommends
5 users are unsure
1 user doesn't recommend
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Highlights
Highlights
Community Rating Mostly recommended
Annual Fee $0
Purchase APR  (Variable APR) 13.4% - 27.4%
Balance Transfer APR  (Variable APR) 13.9% - 27.9%
Credit Score Range 700 - 850
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. 

Good credit. This card is designed for people with good credit. The minimum credit score to apply is 700.

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.

Is there a USAA Cashback Rewards Plus American Express® cash back or 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.

This card features rewards for purchases in the following categories:

  • Every Purchase
  • Gas
  • Groceries
USAA Cashback Rewards Plus American Express® Rewards
Rewards rate (all purchases) 1%
Max rewards rate 5%
Annual rewards limit N/A
Signup Bonus ($) $150
Signup Bonus Spend Requirement $500

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

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

  • Free Credit Score
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Trip Cancellation Insurance
  • Fraud Liability
  • Price Protection
  • Travel Accident Insurance
  • Travel Assistance
  • ID Theft Protection
  • Reports to major credit bureaus

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

USAA Cashback Rewards Plus American Express® has a variable purchase APR that ranges from 13.4% up to 27.4%. The card has a variable balance transfer APR that ranges from 13.90% up to 27.90%.

It also has a variable cash advance APR that ranges from 13.4% up to 27.4%.

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

No, USAA Cashback Rewards Plus American Express® does not come with an introductory APR offer for balance transfers. USAA Cashback Rewards Plus American Express® does not offer an introductory rate on new purchases.
USAA Cashback Rewards Plus American Express® Rates & Terms
Purchase APR 13.4% - 27.4%
Balance Transfer APR 13.90% - 27.90%
Cash Advance APR 13.4% - 27.4%

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

No Annual Fee. USAA Cashback Rewards Plus American Express® does not charge an annual fee. No 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.

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

USAA Cashback Rewards Plus American Express® Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 0%
Balance Transfer Fee 3%
Returned Payment Fee $35
Late Payment Fee $35

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

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

  • Equifax
  • Experian
  • Transunion

Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

How to apply for USAA Cashback Rewards Plus American Express®

  • Visit the USAA website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • 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.
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...

Availability

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

Grace Period for Late Payment 25
Over-Limit Fee $0
Minimum Interest Charge $0
Annual Fee $0
Foreign Currency Transaction Fee 0%
No Annual Fee  
No Foreign Transaction Fee  
Returned Payment Fee $35
Late Fee Amount $35
Balance Transfer Fee % 3%
Minimum Age 18
Credit Score Range 700 - 850
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Customer Type Personal
Car Rental Insurance  
Extended Warranty  
Fraud Liability  
Travel Insurance  
Flight Insurance  
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%
Every Purchase 1%
Rewards Categories
  • Every Purchase
  • Gas
  • Groceries
Signup Bonus $150
Purchase APR (Variable APR) 13.4% - 27.4%
Cash Advance APR (Variable APR) 13.4% - 27.4%
Balance Computation Average daily balance (including new purchases)
Balance Transfer APR (Variable APR) 13.9% - 27.9%

USAA Cashback Rewards Plus American Express® Community Reviews

 
 

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