Last Updated: 07/28/2025
USAA Cashback Rewards Plus American Express®
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Last Updated: 07/28/2025
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Highlights
Community Rating
Mostly recommended
Purchase APR (Variable APR)
16.90% - 30.90%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
16.90% - 30.90%(Verified 06/21/2024)
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Credit Score Range
650 - 850
Annual Fee
$0
Number of Reviews
USAA Cashback Rewards Plus American Express® Review
This is a cashback credit card issued by USAA Federal Savings Bank. If you're wondering whether USAA Cashback Rewards Plus American Express® is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 5x.
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers.
- APRs: USAA Cashback Rewards Plus American Express® has a variable regular purchase APR that ranges from 16.90% up to 30.90%.
- 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.
- A 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. on eligible fuel purchases.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, price protection, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of USAA Cashback Rewards Plus American Express®
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USAA Cashback Rewards Plus American Express® FAQ
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.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gas | 5 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Groceries | 2 % cash back for a total of $3000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.USAA Cashback Rewards Plus American Express® has a variable purchase APR that ranges from 16.90% up to 30.90%. The card has a variable balance transfer APR that ranges from 16.90% up to 30.90%. It also has a variable cash advance APR that ranges from 16.90% up to 30.90%.
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?
Yes, it offers an intro APR rate on balance transfers of 0%
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 16.90% - 30.90% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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®?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
There is a late fee of up to $35 . 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 customer service number for USAA Cashback Rewards Plus American Express® 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.
What is the login page for USAA Cashback Rewards Plus American Express®?
You can access the login page of USAA Cashback Rewards Plus American Express® here.
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 to the following credit bureaus:
- 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 build your credit.
Does USAA Federal Savings Bank perform a hard credit pull?
Yes, USAA Cashback Rewards Plus American Express® performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for USAA Cashback Rewards Plus American Express®
- Visit the website of USAA Cashback Rewards Plus American Express®.
- 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.
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