Cashback Rewards Plus American Express® from USAA Bank Review

Cashback Rewards Plus American Express® from USAA Bank — all information about the credit card.

USAA Bank Cashback Rewards Plus American Express®
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Our Rating:
5 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Cash Back on your first $3,000 in combined gas station and military base Purchases yearly.
    • 2% Cash Back on your first $3,000 in grocery Purchases yearly.
    • 1% Cash Back on all other Qualifying Purchases.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    None
  • Regular APR:
    17.15% - 31.15% Variable
  • Balance Transfer APR:
    17.15% - 31.15% Variable
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USAA Bank Cashback Rewards Plus American Express® Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
5%
Gas
$
2%
Groceries
$
1%
All other purchases
$
Calculate
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All benefits

  • Cash back
    • 5% On your first $3,000 in combined gas station and military base Purchases yearly.
    • 2% On your first $3,000 in grocery Purchases yearly.
    • 1% On all other Qualifying Purchases.
  • Travel
    • Auto Rental Coverage:
    • Rental car insurance protects you against the cost of damages that may occur when renting a vehicle.
    • Travel Accident Insurance:
    • Travel accident insurance is a specialized type of travel insurance plan. Essentially, it acts as life insurance and insurance against accidental death and dismemberment in the case of a travel accident.
    • Trip Cancellation and Interruption Coverage:
    • Trip Cancellation Insurance will reimburse you for the amount of pre-paid, non-refundable travel expenses (e.g. airline, cruise, train, hotel, etc.).
    • Baggage Delay and Reimbursement:
    • Baggage Delay provides reimbursement for the purchase of clothing, toiletries, and other essential items if a traveler's luggage is delayed for a specified period of time.

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 17.15% - 31.15% Variable
  • Intro Balance Transfer APR
    • 0% Introductory APR through your 02/01/2024 billing cycle
  • Balance Transfers APR
    • 17.15% - 31.15% Variable
  • APR for Cash Advances
    • 17.15% - 31.15% Variable
  • How to Avoid Paying Interest
    • Your due date is at least 25 days after the close of each billing cycle. You will not be charged interest on Purchases if you pay your entire balance by the due date each month.

Fees

  • Annual Fee
    • $0
  • Fees for Balance Transfer
    • 3% of the amount of each Balance Transfer
  • Fees for Cash Advances
    • 3% of the amount of each Cash Advance. Fee waived when transferring funds electronically to a USAA deposit account
  • Penalty Fees
    • None
  • Return Payment
    • Up to $35
  • Late Payment
    • Up to $35
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
  • Intro APR period on balance transfers
  • No Foreign Transaction Fee
Cons:
  • No Intro APR period on purchases
  • No welcome bonus

Features

Classic
American Express
  • No Annual Fee
  • No foreign transaction fees
  • Cashback
  • Fraud Protection
  • Rewards
  • Purchase Protection
  • Lost Luggage Reimbursement
  • Baggage Delay Insurance
  • Trip Cancellation
  • Auto Rental Insurance
  • Good Credit
  • Excellent Credit

About the issuer

USAA Bank has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

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    Regular APR
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  • None
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USAA Bank Cashback Rewards Plus American Express® is an option for those, who need Classic features. With an APR of 17.15% - 31.15% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good to Excellent (670-799) credit score. With USAA Bank Cashback Rewards Plus American Express® you will get such features as No Annual Fee, No foreign transaction fees, Cashback, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

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    Annual Fee
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