USAA · American Express
USAA Cashback Rewards Plus American Express
No annual fee · 1% on everything else · no foreign transaction fees
Annual fee$0nothing to earn back
Statement creditsNoneno credits printed
Top everyday rate5%on gas · 5.0¢ per $1
Welcome offerNonenone published
Foreign transaction feeNonefine to use abroad
Terms verified 2026-09-02 against issuer terms
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Gas | 5% 5.0¢ per $1 |
uncapped |
| Groceries | 2% 2.0¢ per $1 |
uncapped |
| Everything else | 1% 1.0¢ per $1 |
uncapped |
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? · how we got this
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.