USAA Cashback Rewards Plus Review
USAA · Active-duty military and veterans who shop on base
4.2 / 5 (876 reviews)
Annual Fee
No annual fee
Rewards
5% military base, 2% at supermarkets & gas, 1% everything else
Regular APR
16.15% – 29.15%
Credit Needed
Good (670-749)
Our Expert Verdict
7/10
Editor's Score
USAA'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.
Pros
- 5% on-base purchases
- No annual fee
- Low APR
- Good everyday earning
Cons
- USAA membership required
- 1% FTF
- On-base bonus is niche
Sign-Up Bonus
$200 after spending $1,000 in 90 days
Key Benefits & Perks
5% on military base purchases
No annual fee
Low APR for USAA members
0% intro APR on BT for 15 months
Purchase protection
Rewards Breakdown
| Category | Rate |
|---|---|
| Military Base Purchases | 5% |
| Supermarkets | 2% |
| Gas Stations | 2% |
| Everything else | 1% |
Ready to apply for the USAA Cashback Rewards Plus?
Active-duty military and veterans who shop on base
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Customer Reviews
4.2
876 reviews
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