American ExpressUSAA Cashback Rewards Plus American Express
5% on gas and on-base spending, built for life around a military installation.
Welcome Bonus
$200
≈$200 value
Spend Requirement
$1,000
in 3 months
Annual Fee
$0
No FTF
Credit Score
700+
(Good-Excellent)
Current offer note: $200 bonus added March 2026
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 5xGas stations and military base purchases
- 2xGroceries
- 1xEverything else
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦No foreign transaction fee
- ✦Commissary and exchange purchases count toward the 5%
- ✦Still open to new USAA member applications as of June 2026
Why it earns its spot
- +5% on base covers commissary, exchange and gas in one bucket
- +New $200 bonus sweetens a previously bonus-free card
- +No FTF for OCONUS assignments
Where it costs you
- −$3,000 annual caps on both bonus tiers
- −1% everywhere else is weak
- −USAA membership requires military affiliation
The Compound Verdict
For a family living on or near a base, the 5% bucket maps almost perfectly onto real life, and the March 2026 addition of a $200 bonus fixed its biggest gap. Off base it is a 1% card, so pair it with something flat-rate.
Rate this card
Be the first to rate it
Commentson Cashback Rewards Plus
Comments are stored in your browser during our community preview. Accounts, moderation and cross-device sync arrive with Credit Compound Community.