USAA Cashback Rewards Plus American Express®
- Annual Fee
- $0
- cash back · Welcome Bonus
- $200
- Top Rate
- 5%
Terms checked against the issuer on November 3, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- —
- Rewards Currency
- Cash
- Point Valuation
- 1¢ (cash back)
- Credit Required
- Excellent
Welcome Offer
Bonus: $200 cash back
Spend: $1,000
Period: 3 months
Earning Rates
- 5%
Gas Stations
5% cash back on your first $3,000 in gas station purchases yearly
Cap: $3,000/annual
- 5%
Military Base
5% cash back on your first $5,000 in military base purchases yearly
Cap: $5,000/annual
- 3%
Grocery Stores
3% cash back on your first $3,000 in grocery purchases yearly
Cap: $3,000/annual
- 1%
All Other
Benefits & Perks
Insurance & Protections
8 protectionsTrip Cancellation and Interruption
$1,500
You’re covered for up to $1,500 per covered person, for non-refundable prepaid passenger fare, when your travel is interrupted or canceled. This co...
$500 cell phone protection
$500
When you charge your monthly cell phone bill to your USAA credit card, you can be reimbursed up to $500, in the event your eligible cell phone is s...
View conditions
Deductible: 50
Baggage Delay Reimbursement
$100
If your checked baggage is delayed, you can be reimbursed up to $100 a day, for up to three days. Get the essentials you need such as clothing or t...
Auto Rental Collision Damage Waiver
Reserve and pay for your rental car with your credit card to get 31 days of protection worldwide. Save money by saying no at the counter — rent wit...
Travel and Emergency Assistance
If you experience an illness or emergency, while traveling or working anywhere in the world, call the benefits center for help, 24/7. You can also ...
Show all 8 protectionsShow fewer protections
$500,000 Travel Accident Insurance
$500,000
Coverage for loss of life or limb up to $500,000 when you buy your travel ticket with your card.
$15,000 Extended Warranty Protection
$15,000
Extends your manufacturer's warranty by up to a year, up to $15,000 per claim and $50,000 per account.
$1,000 Purchase Security
$1,000
Safeguard new items against theft or damage for 90 days from purchase. Covers up to $1,000 per claim, $10,000 per cardholder.
Reviews & Analysis
The Math: Is $0 Worth It?
First-year value includes $200 welcome bonus
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Details & Terms
Payment Terms
| Foreign Transaction Fee | $0 |
Media & Resources
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Multiple card facts | |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page: Welcome offer |