USAA · American Express
USAA Cashback Rewards Plus American Express
No annual fee · 1% on everything else · no foreign transaction fees
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Gas | 5% | uncapped |
| Groceries | 2% | uncapped |
| Everything else | 1% | uncapped |
See how it ranks: best gas cards · best groceries cards.
Non-cash perks
- Membership required (USAA: military members, veterans and eligible family)
- 5% category also covers military base purchases (exchanges/commissaries)
- No foreign transaction fees
Does the fee earn out?
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
More from USAA
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Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-09-02 against issuer terms · sources: www.usaa.com. Spot an error? Tell us.