Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Both cards cost $0/yr. The bp rewards Visa® leads on gas stations; the USAA Cashback Rewards Plus American Express Card on gas stations.
Card data as of September 27, 2026.
Annual Fee
Welcome Bonus
| Category | bp rewards Visa® | USAA Cashback Rewards Plus American Express Card |
|---|---|---|
| Gas Stations | 4X | 5X |
| Military Base | 1X | 5X |
| Dining | 3X | 1X |
| Grocery Stores | 3X | 2X |
Network
Key Benefits
Pros
Cons
Both cards win in 2 categories each — it comes down to which categories matter most to you.
Gas Stations
USAA Cashback Rewards Plus American Express Card earns 5X vs 4X
Dining
bp rewards Visa® earns 3X vs 1X
Grocery Stores
bp rewards Visa® earns 3X vs 2X
Military Base
USAA Cashback Rewards Plus American Express Card earns 5X vs 1X
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Both scenarios favor the bp rewards Visa® on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | bp rewards Visa® | USAA Cashback Rewards Plus American Express Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $228 Credits (our usable estimate): $0 − Annual fee ($0) |
Both scenarios favor the bp rewards Visa® on net value (rewards, usable credits, fees, and welcome offer).
Rewards: $186 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $186 Year one: $186 |
| bp rewards Visa® |
| bp rewards Visa® |
| Heavy spender: $4,000/month | Rewards: $912 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $912 Year one: $912 | Rewards: $744 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $744 Year one: $744 | bp rewards Visa® | bp rewards Visa® |
Get the bp rewards Visa® if you:
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
