USAA Cashback Rewards Plus
No fee
USAA
USAA Cashback Rewards Plus
4.2
(876 reviews)cashback
Reviewed by CardCompare Editorial Board
|CFP-reviewed|Updated April 2026USAA's flagship cashback card offers a unique 5% back on purchases made on military bases (BX/PX, commissary). 2% on groceries and gas makes it strong for everyday spending too. USAA members benefit from some of the lowest APR rates available.
Annual Fee
No annual fee
Purchase APR
16.15% – 29.15%
Rewards
1% base rate
Sign-Up Bonus
$200 value
Credit Score
Good (670-749)
Foreign Txn Fee
1%
Who Should Get This Card
The USAA Cashback Rewards Plus is best suited for established credit users who active-duty military and veterans who shop on base. With no annual fee, there's zero cost to keep it in your wallet long-term.
This card is great if you…
- 5% on-base purchases
- No annual fee
- Low APR
- Active-duty military and veterans who shop on base
Consider another card if you…
- USAA membership required
- 1% FTF
- On-base bonus is niche
Rewards Breakdown
5% military base, 2% at supermarkets & gas, 1% everything else
| Category | Rate |
|---|---|
| Military Base Purchases | 5% |
| Supermarkets | 2% |
| Gas Stations | 2% |
| Everything else | 1% |
Rewards Distribution
5%
top rate
Military Base Purchases5%50%
Supermarkets2%20%
Gas Stations2%20%
Everything else1%10%
Sign-Up Bonus
$200 after spending $1,000 in 90 days
Fees & APR
| Annual Fee | No annual fee |
| Purchase APR | 16.15% – 29.15% |
| Intro APR (Balance Transfer) | 0% for 15 months |
| Balance Transfer Fee | 3% |
| Foreign Transaction Fee | 1% |
| Late Fee | Up to $35 |
Pros & Cons
5% on-base purchases
No annual fee
Low APR
Good everyday earning
USAA membership required
1% FTF
On-base bonus is niche
The Bottom Line
The Good: The USAA Cashback Rewards Plus stands out for its 5% on-base purchases. The welcome bonus worth $200 adds significant first-year value.
The Not So Good: USAA membership required.
Our Verdict: The USAA Cashback Rewards Plus scores 7/10 — a solid option for active-duty military and veterans who shop on base. With no annual fee, there's no risk in trying it.
Frequently Asked Questions
What is the annual fee for the USAA Cashback Rewards Plus?▾
The USAA Cashback Rewards Plus has no annual fee — you'll never be charged just for keeping the card open.
What is the sign-up bonus for the USAA Cashback Rewards Plus?▾
The USAA Cashback Rewards Plus currently offers a sign-up bonus worth approximately $200. $200 after spending $1,000 in 90 days Terms apply — always verify the current offer directly with the issuer.
How do the rewards work on the USAA Cashback Rewards Plus?▾
The USAA Cashback Rewards Plus earns 1% on all purchases, and up to 5% in select bonus categories. Rewards are earned as cash back credited to your statement.
What credit score do I need for the USAA Cashback Rewards Plus?▾
The USAA Cashback Rewards Plus is recommended for applicants with good (670-749) credit. Approval is not guaranteed and depends on your full credit profile.
Does the USAA Cashback Rewards Plus charge a foreign transaction fee?▾
Yes, the USAA Cashback Rewards Plus charges a 1% foreign transaction fee on purchases processed outside the U.S.
What is the APR on the USAA Cashback Rewards Plus?▾
The USAA Cashback Rewards Plus has a variable purchase APR of 16.15% – 29.15%. If you carry a balance, interest charges can quickly outweigh any rewards earned.
Who is the USAA Cashback Rewards Plus best for?▾
The USAA Cashback Rewards Plus is best for Active-duty military and veterans who shop on base. A key advantage: 5% on-base purchases.
Customer Reviews
4.2
876 reviews
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