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USAA Cashback Rewards Plus American Express®

in Personal Credit Cards

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USAA Cashback Rewards Plus American Express®

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in Personal Credit Cards

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1 user doesn't recommend
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Overview

Who is this credit card designed for?

USAA Cashback Rewards Plus American Express® is a credit card issued by USAA, which is based in San Antonio, TX. 

USAA Cashback Rewards Plus American Express® is designed for people with a credit score of 700 to 850. It's perfect for consumers looking for a card without an annual fee. It is also designed for people who want a cashback rewards program. This card allows you to earn cash on the purchases you make.

What are the relevant APRs?

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 13.4% up to 27.4%.

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

Is an introductory APR offer available?

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.

What are the fees?

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

  • There is no annual fee.
  • A late payment penalty of $35.
  • A returned payment fee of $35.
  • There is no overlimit fee
  • There are no foreign transaction fees.

Is a rewards program offered?

The rewards program allows you to earn cash with every purchase you make. This card features rewards for purchases in the following categories:

  • Every Purchase
  • Gas
  • Groceries

Is a signup bonus offered?

Yes, USAA Cashback Rewards Plus American Express® offers card users a signup bonus worth up to $150 after spending $500.

Is an annual loyalty bonus offered?

USAA Cashback Rewards Plus American Express® doesn't offer a cash loyalty bonus.

What additional benefits are offered?

 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
  • Reports to major credit bureaus

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.

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

No Fees
Grace Period for Late Payment (Days)
25
Over-Limit Fee
$0
Minimum Interest Charge
$0
Annual Fee
$0
Foreign Currency Transaction Fee
0%
No Annual Fee
 
No Foreign Transaction Fee
 
List of Fees
Late Payment Penalty
$35
Returned Payment Fee
$35
Balance Transfer Fee %
3%
Minimum Age
18
Credit Score Range
700 - 850
850 300 700
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
Percentage
Purchase APR
(Variable APR)
13.4% - 27.4%
    0% 29%
Percentage
Cash Advance APR
(Variable APR)
13.4% - 27.4%
    8% 28%
Balance Computation
Average daily balance (including new purchases)
Percentage
Balance Transfer APR
(Variable APR)
13.4% - 27.4%
    8% 29%

Reviews

 
 

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