THE CARDTUNED DATABASE
USAA Cashback Rewards Plus American Express Card
Issuer: USAA · Network: American Express
5% cash back on first $5,000 annual military-base purchases; 5% on first $3,000 annual gas purchases; 3% on first $3,000 annual grocery purchases; unlimited 1% on other purchases
- Annual fee
- $0
- Foreign transaction fee
- $0
- Intro APR
- 0% intro APR through the May 2028 billing cycle on qualifying balance transfers and convenience checks posted by January 31, 2027.
- Regular APR
- Variable purchase APR applies outside the introductory balance-transfer offer; see current Rates and Fees.
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
Earn a $200 reward bonus after $1,000 in qualifying purchases by January 31, 2027.
- Spending requirement
- $1,000 qualifying purchases
- Time window
- By January 31, 2027
- Published end date
- 2027-01-31
Offer last checked: 2026-09-09
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Eligible purchases | 5% | cash back on first $5,000 annual military-base purchases |
| Gas | 5% | on first $3,000 annual gas purchases |
| Groceries | 3% | on first $3,000 annual grocery purchases |
| Eligible purchases | 1% | Unlimited — on other purchases |
Additional benefits
• $200 bonus after $1,000 by 2027-01-31
• No foreign transaction fee
Restrictions to know
Annual bonus-rate caps are $5,000 for military-base purchases, $3,000 for gas and $3,000 for groceries; 1% applies after each cap and to other purchases. Balance-transfer/convenience-check fees and reward eligibility rules apply.
Who can apply
USAA membership and issuer credit approval required.
Credit profile: Good–Excellent