USAA Bank · American Express · Personal
USAA Bank Cashback Rewards Plus
A no-annual-fee card earning cash back: 5× on Gas Stations and Special, 1× on everything else.
- Annual fee
- $0No annual fee
- Signup bonus
- NoneNo signup bonus listed
- Top rate
- 5×Gas Stations, Special
- Point value
- 1¢Cash back, a cent a point
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus None listed | $0 | – |
| Cash back on your spend Enter your spending | $0 | $0 |
| Credits you’d use No statement credits listed | $0 | $0 |
| Annual fee No annual fee | $0 | $0 |
| NetYear one includes the bonus · at your inputs · our estimates* | $0 | $0 |
Earning structure
4 categories, 3 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
Gas Stations Cap $3,000 / 12 moNotes5% cash back on your first $3,000 in gas station purchases yearly. | 5× | $5.00 | |
Special Cap $5,000 / 12 moNotes5% cash back on your first $5,000 in military base purchases yearly | 5× | $5.00 | |
Groceries Cap $3,000 / 12 moNotes2% cash back on your first $3,000 in grocery purchases yearly | 3× | $3.00 | |
| All Other | 1× | $1.00 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- None
- Card type
- Personal
- Network
- American Express
- Bank
- USAA Bank
- Point system
- Cash back
- Foreign transaction fee
- None
- Transfer partners
- No
- Travel portal redemption
- No
- Cash to travel
- No
Benefits6 · 0 high value
- Car Rental Insurance SECONDARY Auto Rental Collision Damage Waiver
- Cell Phone Protections Cell Phone Protection
- Travel Protections Baggage Delay Reimbursement + 3 more travel protections benefits
Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.
Alternatives
Head to head with similar cards
 USAA Bank Cashback Rewards Plus |  USAA Bank Rewards (VISA) |  USAA Bank Preferred Cash Rewards |  First Tech Federal Choice Rewards | |
|---|---|---|---|---|
| Annual fee | $0 | $0Same | $0Same | $0Same |
| Signup bonus | None | 2,500 pts | $200 | 20,000 pts |
| Top rate | 5×Gas Stations, Special | 2×Dining, Gas Stations | 1.5×All Other | 2×3 categories |
| Travel value * | –Cash back | 1¢USAA Rewards | –Cash back | –Cash back |
| Why it’s here | This card | Also no annual fee | Also no annual fee | Also no annual fee |
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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