USAA Cashback Rewards Plus American Express® Credit Card
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The USAA Cashback Rewards Plus American Express® Credit Card is a cash back card designed for current or former members of the military and their families. It offers decent rewards on gas and groceries. It also offers a 0% intro APR for 15 months and no foreign transaction fees. However, you’ll need excellent credit, and there is no welcome offer. There is also a cap on rewards; gas and military purchases have a cap of $3,000 spent per year, and grocery store purchases are capped at $3,000 spent per year. After you reach the cap, you’ll earn just 1% cash back. We dive into the details and your approval odds in this USAA Cashback review.
Welcome Offer
Terms Apply.
Our Rating
3.8/5.0
Welcome Offer
None
Annual Fee
$0
0% Intro on Purchases
None
Reward Rate
1% – 5% cash back
0% Intro on Balance Transfers
15 months
Editorial Review
Features & Benefits
| Security | EMV Chip Enabled, Zero Liability, Alerts |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
| Benefits | Extended Warranty Coverage, 24/7 customer service |
| Travel Perks | Auto Rental Collision Damage Waiver, Luggage Protection, Travel Accident Insurance, Trip Cancellation Insurance |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | None |
| Regular APR | 17.15% to 29.15% (V) APR |
| Balance Transfers | 0% Intro APR for 15 months on balance transfers, then 17.15% to 29.15%(V) APR after that. |
| Balance Transfer Fee | 5% of the amount of each Balance Transfer. |
What Credit Score Is Required to Get the USAA Cashback Rewards Plus American Express® Credit Card
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 718
Average Approved Credit Score: 743
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 12/06/2022 | Equifax | ||
| Approved | 06/21/2022 | Not Provided |
Pros & Cons
- No annual fee
- No foreign transaction fee
- Up to 5% cash back
- No welcome bonus
- Requires good credit
- Cap on rewardsw
What Are the Best Alternatives?
Blue Cash Everyday® Card from American Express
Rating
4.4
Rewards Range
1%-3% cash back
Annual Fee
$0
Wells Fargo Active Cash® Card
Rating
4.9
Rewards Range
2%
Annual Fee
$0
PenFed Platinum Rewards Visa Signature® Card
Rating
4.5
Rewards Range
1x to 5x points
Annual Fee
No Annual Fee