Cashback Rewards Plus American Express® Credit Card

Earn more cashback at gas stations, military bases and grocery stores.

Special Offer

0% Intro Annual Percentage Rate for 15 months on balance transfers and convenience checks that post to your account within 90 days of account opening, thereafter 16.40% to 28.40% variable regular Annual Percentage Rate will apply to introductory balances.

Transaction fee of 5%.see note 1,see note 2

View rates and fees for more details.*

Special Offer

0% Intro Annual Percentage Rate for 15 months on balance transfers and convenience checks that post to your account within 90 days of account opening, thereafter 16.40% to 28.40% variable regular Annual Percentage Rate will apply to introductory balances.

Transaction fee of 5%.see note 1,see note 2

View rates and fees for more details.*

Special Offer

0% Intro Annual Percentage Rate for 15 months on balance transfers and convenience checks that post to your account within 90 days of account opening, thereafter 16.40% to 28.40% variable regular Annual Percentage Rate will apply to introductory balances.

Transaction fee of 5%.see note 1,see note 2

View rates and fees for more details.*

Benefits and Features

Everyday Cash Backsee note 3

  • 5% cash back on your first $3,000 in combined gas station and military base purchases yearly
  • 2% cash back on your first $3,000 in grocery purchases yearly
  • Unlimited 1% cash back on other purchases
See Reward Terms and Conditions

Rates and Fees*

16.40% to 28.40%

No

No Annual Fee

No Foreign Transaction Fees

Balance Transfer and Cash Advance fee is 5% of each transaction amount.see note 4

*View Rates and Fees
Important information: If you transfer a balance or write a convenience check to take advantage of the introductory rate offer, you will immediately incur interest on purchases until you pay your balance in full, including any transferred balances.see note 2

Redeem your rewards.

Make the most of your cash back. Redeem it your way, on your schedule.

  1. 1

    Earn

    Enjoy at least 1% cash back with every Qualifying Purchase. Plus, earn more on purchases in certain categories.
  2. 2

    Track

    Check your total quickly on usaa.com or the mobile app. Cash back for posted transactions is usually added within 48 hours.
  3. 3

    Redeem

    Choose from a range of exciting redemption options. Redeem some or all of your cash back.

Additional Benefits and Features

Carry a credit card that's easy to use and manage, with peace of mind built in.

Security and Protection

  • Rely on us — from secure logons to zero liability for unauthorized transactions.see note 5
  • Set up a variety of alerts on your mobile device to stay informed.
  • Report a lost or stolen card online or in the app.

Travel Benefitssee note 6

  • Auto Rental Coverage
  • Travel Accident Insurance
  • Trip Cancellation and Interruption Coverage
  • Baggage Delay and Reimbursement

Travel Benefitssee note 6

  • Auto Rental Coverage
  • Travel Accident Insurance
  • Trip Cancellation and Interruption Coverage
  • Baggage Delay and Reimbursement

Support and Service

  • Access USAA customer service 24/7 online.
  • Take advantage of extended warranty protection on U.S. manufacturers' warranties.see note 6
  • Add your card to your phone for fast mobile payments or checkouts.

Still searching for the right card?

We offer a full range of credit cards to meet your needs.

USAA Rewards™ American Express® Credit Card

Best For:

Those who want to maximize the value of their points on gift cards, merchandise and more.

Learn more

USAA Rate Advantage Visa® Platinum Credit Card

Best For:

Those who carry a balance from month to month.

Learn more

Available with:

Apple PayGoogle PaySamsung Pay