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AMEX

USAA Cashback Rewards Plus American Express Card

Annual Fee

Source: Usaa Issuer

Top Rate

Apply on Usaa's site

At a Glance

Annual Fee

Authorized User Fee

Foreign Transaction Fee

Network

—

Rewards Currency

Cash

Credit Required

Good to Excellent

Earning Rates

Gas Stations

5% cash back on gas station purchases

Military Base

5% cash back on purchases at military bases (commissaries, exchanges, etc.)

Grocery Stores

2% cash back at grocery stores

All Other

1% cash back on all other purchases

Reviews & Analysis

Pros and Cons

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

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

Who It's Best For

Best For

Details & Terms

Payment Terms

Foreign Transaction Fee	1%
Authorized User Fee	$0

Media & Resources

Evidence Sources

Source	Verified	Citation
Usaa Issuer	—	Usaa Issuer

Explore More

See all USAAcards →Best Credit Cards for Gas Best Credit Cards for Groceries Browse all card categories →Browse all card benefits →Browse all credit cards →

✓Military families who shop at commissaries and base exchanges for 5% back

✓Drivers seeking 5% back on gas with no annual fee

✓Military households with high grocery spending for 2% back

Not Ideal For

✗Non-military individuals (USAA membership required)
✗International travelers (1% foreign transaction fee, American Express less widely accepted abroad)
✗Those who prefer a widely accepted network (Amex has smaller merchant footprint)