USAA® Cashback Rewards Plus American Express® Card

  • Earn 5% cash back on your first $3,000 in gas and military base purchases annually on these categories combined
  • Earn 2% on your first $3,000 on supermarket purchases per year
  • Unlimited 1% cash back on all other purchases
  • USAA membership is available to active and former military and their eligible family members
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Excellent Credit, Good Credit Personal $0 None N/A* 13.90% - 27.90% variable Regular APR on purchases, balance transfers and convenience checks Cash Back


Quick Summary:
This is a cash back rewards card issued by USAA Savings Bank. This card is intended for consumers, or "personal use" with a nearly perfect credit history. Rates may vary among applicants, however the lowest standard APR is 13.90%* and may be as high as 27.90%* (Variable)*, depending on your credit worthiness*.

Important Rates:
Intro APR Note: The issuer of this card asked that we not discuss the introductory APR, due to variable factors among applicants. Please see the terms and conditions for details.

Regular APR: Intro APR Note: The issuer of this card asked that we not discuss the introductory APR, due to variable factors among applicants. Please see the terms and conditions for details.

There is no annual fee for this card.*

Rewards:
This card is a cash back card, where you can expect cash rewards for your purchases.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a great credit record. A FICO credit score of 715 to 850 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any USAA Savings Bank product.

Other Basics:
American Express acceptance among businesses is moderate, but global. You should not have a difficult time finding businesses that will accept this card as a form of payment.

Our Editor's Commentary:
If you have excellent credit and a military affiliation, the USAA® Cashback Rewards Plus American Express® Card is an opportunity to consider.

With this credit card, you will earn five percent cash back on gas station and commissary purchases. This is in addition to two percent cash back at supermarkets, and one percent on all other purchases.

Other benefits include special rates for military members during deployment, chip technology, no minimum finance charge, and no annual fee.

Approval Rate:
Currently, we have no applicant results in our system. You can be the first one to help by submitting your application results to assist other applicants before they apply for this card.

There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. Furthermore, if your FICO score is close to or higher than 715 to 850, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.

Community Opinion:
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