Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +5% cash back on gas stations
• +5% cash back on military base purchases (commissaries, exchanges)
• +2% cash back at grocery stores
• +No annual fee
• +Competitive rates for USAA members

• +No annual fee makes it easy to keep long-term for status
• +Automatic Gold status for life of card (free Wi-Fi, late checkout)
• +60,000 point welcome bonus worth up to 8 free nights
• +5x points on Wyndham stays - solid for brand loyalists
• +10% discount when redeeming points for free nights

Cons

• −Restricted to USAA-eligible military members and families
• −American Express network less widely accepted than Visa/Mastercard
• −1% foreign transaction fee
• −Only 1% on non-category purchases

• −Gold status benefits are basic compared to Platinum or Diamond
• −Anniversary bonus requires $15,000 annual spend (Plus card has no requirement)
• −Only 5x at Wyndham vs 8x with Plus card
• −Only 1x on non-bonus purchases
• −No premium travel protections or lounge access

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +5% cash back on gas stations
• +5% cash back on military base purchases (commissaries, exchanges)
• +2% cash back at grocery stores
• +No annual fee
• +Competitive rates for USAA members

• +No annual fee makes it easy to keep long-term for status
• +Automatic Gold status for life of card (free Wi-Fi, late checkout)
• +60,000 point welcome bonus worth up to 8 free nights
• +5x points on Wyndham stays - solid for brand loyalists
• +10% discount when redeeming points for free nights

Cons

• −Restricted to USAA-eligible military members and families
• −American Express network less widely accepted than Visa/Mastercard
• −1% foreign transaction fee
• −Only 1% on non-category purchases

• −Gold status benefits are basic compared to Platinum or Diamond
• −Anniversary bonus requires $15,000 annual spend (Plus card has no requirement)
• −Only 5x at Wyndham vs 8x with Plus card
• −Only 1x on non-bonus purchases
• −No premium travel protections or lounge access

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +5% cash back on gas stations
• +5% cash back on military base purchases (commissaries, exchanges)
• +2% cash back at grocery stores
• +No annual fee
• +Competitive rates for USAA members

• +No annual fee makes it easy to keep long-term for status
• +Automatic Gold status for life of card (free Wi-Fi, late checkout)
• +60,000 point welcome bonus worth up to 8 free nights
• +5x points on Wyndham stays - solid for brand loyalists
• +10% discount when redeeming points for free nights

Cons

• −Restricted to USAA-eligible military members and families
• −American Express network less widely accepted than Visa/Mastercard
• −1% foreign transaction fee
• −Only 1% on non-category purchases

• −Gold status benefits are basic compared to Platinum or Diamond
• −Anniversary bonus requires $15,000 annual spend (Plus card has no requirement)
• −Only 5x at Wyndham vs 8x with Plus card
• −Only 1x on non-bonus purchases
• −No premium travel protections or lounge access