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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
Rewards Rates
  • Every Purchase
  • 5% on Gas
  • 2% on Groceries
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 can get a rewards rate of up to 5%.
  • Signup bonus. Offers a signup bonus of $150 if you spend $500.
  • Competitive APRs. USAA Cashback Rewards Plus American Express® has a variable purchase APR of up to 27.4%.
  • Great for travel. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.
  • Gas rewards. Earn up to 5% for every $1 you spend on gas.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, price protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • No foreign transaction fee.
  • Earn rewards on every purchase.
  • USAA Cashback Rewards Plus American Express® reports to multiple credit bureaus.
  • Offers auto rental collision damage waiver.
  • Includes emergency support.
  • Extended warranty protection on purchases.
  • Free access to your credit score.
  • Price Protection.
  • Travel Accident Insurance.
  • Travel Assistance.
  • Trip Cancellation Insurance.
  • Does not offer rewards or cash back.

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:

  • 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
  • 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 13.4% up to 27.4%. The card has a variable balance transfer APR that ranges from 13.9% up to 27.9%. 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® Balance Transfers
Description
Balance Transfer APR 13.9% - 27.9%
Introductory Rate N/A
Intro APR period (months) N/A
USAA Cashback Rewards Plus American Express® Rates & Terms
Description
Balance Computation Average daily balance (including new purchases)
Purchase APR 13.4% - 27.4%
Credit Limit N/A
Penalty APR N/A
Cash Advance APR 13.4% - 27.4%
Security Deposit N/A
Introductory Rate N/A
Intro APR period (months) N/A

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

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%
Balance Transfer Fee 3%
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?

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 can help improve your credit score.

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...

Contact

  • Headquarters
  •   9800 Fredericksburg Road
    San Antonio, TX 78288
  •   Visit Site

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

Hours of Operation

  • Sunday Closed
  • Monday 7:00am - 9:00pm
  • Tuesday 7:00am - 9:00pm
  • Wednesday 7:00am - 9:00pm
  • Thursday 7:00am - 9:00pm
  • Friday 7:00am - 9:00pm
  • Saturday 8:30am - 5:00pm

Other Services by USAA

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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

Every Purchase (Points) 1%
Annual Fee $0
Foreign Currency Transaction Fee 0%
Minimum Interest Charge $0
No Annual Fee  
No Foreign Transaction Fee  
No Interest Grace Period for Late Payment 25
Over-Limit Fee $0
Balance Transfer Fee % 3%
Late Fee Amount $35
Returned Payment Fee $35
Customer Type Personal
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Military Status
  • Active Duty Military
  • Military Dependent
  • Veterans
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Card Network
  • American Express
Card Type
  • Bonus Offers
  • Cashback
  • Gas
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Car Rental 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
Extended Warranty  
Flight Insurance  
Fraud Liability  
Travel Insurance  
Bonus Rewards 5%
Rewards Rates
  • Every Purchase
  • 5% on Gas
  • 2% on Groceries
Signup Bonus $150
Cash Advance APR (Variable APR) 13.4% - 27.4%
Purchase 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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