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%.

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.