CardRewardsEditorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.
The USAA Cashback Rewards Plus American Express Card ($0/yr) is better for everyday value, while the Amex EveryDay® Preferred ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
American Express
USAA
Annual Fee
Welcome Bonus
| Category | Amex EveryDay® Preferred | USAA Cashback Rewards Plus American Express Card |
|---|---|---|
| Gas Stations | 2X | 5X |
| Military Base Purchases |
The USAA Cashback Rewards Plus American Express Card wins in 2 of 3 categories. The Amex EveryDay® Preferred leads in 1.
Grocery Stores
Amex EveryDay® Preferred earns 3X vs 2X
Gas Stations
USAA Cashback Rewards Plus American Express Card earns 5X vs 2X
Military Base Purchases
USAA Cashback Rewards Plus American Express Card earns 5X vs 1X
The Amex EveryDay® Preferred costs $95/yr — that's $95 more than the USAA Cashback Rewards Plus American Express Card (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
Bottom line: The $95 difference is small enough that the Amex EveryDay® Preferred's extra perks make it worth considering for most cardholders.
Get the USAA Cashback Rewards Plus American Express Card if you:
The USAA Cashback Rewards Plus American Express Card has a lower annual fee ($0 vs $95), making it the more accessible option.
Choose the USAA Cashback Rewards Plus American Express Card if you want solid rewards with a lower cost of entry. Choose the Amex EveryDay® Preferred if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
The USAA Cashback Rewards Plus American Express Card ($0/yr) is better for everyday value, while the Amex EveryDay® Preferred ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
American Express
USAA
Annual Fee
Welcome Bonus
| Category | Amex EveryDay® Preferred | USAA Cashback Rewards Plus American Express Card |
|---|---|---|
| Gas Stations | 2X | 5X |
| Military Base Purchases |
The USAA Cashback Rewards Plus American Express Card wins in 2 of 3 categories. The Amex EveryDay® Preferred leads in 1.
Grocery Stores
Amex EveryDay® Preferred earns 3X vs 2X
Gas Stations
USAA Cashback Rewards Plus American Express Card earns 5X vs 2X
Military Base Purchases
USAA Cashback Rewards Plus American Express Card earns 5X vs 1X
The Amex EveryDay® Preferred costs $95/yr — that's $95 more than the USAA Cashback Rewards Plus American Express Card (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
Bottom line: The $95 difference is small enough that the Amex EveryDay® Preferred's extra perks make it worth considering for most cardholders.
Get the USAA Cashback Rewards Plus American Express Card if you:
The USAA Cashback Rewards Plus American Express Card has a lower annual fee ($0 vs $95), making it the more accessible option.
Choose the USAA Cashback Rewards Plus American Express Card if you want solid rewards with a lower cost of entry. Choose the Amex EveryDay® Preferred if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
The USAA Cashback Rewards Plus American Express Card ($0/yr) is better for everyday value, while the Amex EveryDay® Preferred ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
American Express
USAA
Annual Fee
Welcome Bonus
| Category | Amex EveryDay® Preferred | USAA Cashback Rewards Plus American Express Card |
|---|---|---|
| Gas Stations | 2X | 5X |
| Military Base Purchases |
The USAA Cashback Rewards Plus American Express Card wins in 2 of 3 categories. The Amex EveryDay® Preferred leads in 1.
Grocery Stores
Amex EveryDay® Preferred earns 3X vs 2X
Gas Stations
USAA Cashback Rewards Plus American Express Card earns 5X vs 2X
Military Base Purchases
USAA Cashback Rewards Plus American Express Card earns 5X vs 1X
The Amex EveryDay® Preferred costs $95/yr — that's $95 more than the USAA Cashback Rewards Plus American Express Card (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
Bottom line: The $95 difference is small enough that the Amex EveryDay® Preferred's extra perks make it worth considering for most cardholders.
Get the USAA Cashback Rewards Plus American Express Card if you:
The USAA Cashback Rewards Plus American Express Card has a lower annual fee ($0 vs $95), making it the more accessible option.
Choose the USAA Cashback Rewards Plus American Express Card if you want solid rewards with a lower cost of entry. Choose the Amex EveryDay® Preferred if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
| 1X |
| 5X |
| Grocery Stores | 3X | 2X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
| 1X |
| 5X |
| Grocery Stores | 3X | 2X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
| 1X |
| 5X |
| Grocery Stores | 3X | 2X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons