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 Dillard’s Mastercard® 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 | Dillard’s Mastercard® | USAA Cashback Rewards Plus American Express Card |
|---|---|---|
| Gas Stations | 2X | 5X |
| Military Base | 1X | 5X |
| Grocery Stores | 2X | 2X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
The USAA Cashback Rewards Plus American Express Card wins in 2 of 2 categories. The Dillard’s Mastercard® leads in 0.
Gas Stations
USAA Cashback Rewards Plus American Express Card earns 5X 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 USAA Cashback Rewards Plus American Express Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Dillard’s Mastercard® | USAA Cashback Rewards Plus American Express Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $150 Credits (our usable estimate): $20 − Annual fee ($0) Ongoing: $170 Year one: $170 | Rewards: $186 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $186 Year one: $186 | USAA Cashback Rewards Plus American Express Card |
Both scenarios favor the USAA Cashback Rewards Plus American Express Card on net value (rewards, usable credits, fees, and welcome offer).
| USAA Cashback Rewards Plus American Express Card |
| Heavy spender: $4,000/month | Rewards: $600 Credits (our usable estimate): $20 − Annual fee ($0) Ongoing: $620 Year one: $620 | Rewards: $744 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $744 Year one: $744 | USAA Cashback Rewards Plus American Express Card | USAA Cashback Rewards Plus American Express Card |
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.
