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Community Rating | Mostly recommended |
Purchase APR (Variable APR) | 11.9% - 25.9% |
Balance Transfer APR (Variable APR) | 11.9% - 25.9% |
Credit Score Range | 650 - 850 |
Annual Fee | $0 |
Number of Reviews | 7 |
USAA Cashback Rewards Plus American Express® Review
This 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 review will provide you with with all the details you need to make a good choice.
- Generous reward rate. You will get a maximum 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 cashback card. It gives you cashback on your eligible purchases, 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 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. 5% cashback on eligible gas purchases.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, identity theft protection, price protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
The Good | The Bad |
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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. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other 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?
It 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
- 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 is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular 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%.
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?
No, it does not come with an intro APR offer for balance transfers.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®?
The following fees apply:
- There is no overlimit fee
Fees | Amount |
---|---|
Annual Fee | $0 |
Overlimit Fee | $0 |
Foreign Transaction Fee | 0% |
Returned Payment Fee | $35 |
Late Payment Fee | $35 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
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 USAA Cashback Rewards Plus American Express® customer service number 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 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Message From USAA Cashback Rewards Plus American Express®
Contact
- Headquarters
-
9800 Fredericksburg Road
San Antonio, TX 78288 - (800) 531-8722
- Visit Site
- Email Support
Other Services by USAA
Availability
- 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
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 |
USAA Cashback Rewards Plus American Express® Community Reviews
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