USAA
USAA Cashback Rewards Plus American Express® Card
Cash back only
Annual fee
No annual fee
Welcome bonus
No standing welcome bonus
Min spend
N/A
Recommended credit
Good (670+)
Offer last verified July 14, 2026. How we verify.
Earning rates
5% cash back on gas and military-base purchases (first $3,000 per year combined), then 1%
2% cash back at grocery stores (first $3,000 per year), then 1%
1% cash back on all other purchases
Features & benefits
No annual fee and no foreign transaction fee
Requires USAA membership (military affiliation)
How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the USAA Cashback Rewards Plus American Express® Card lands.
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