Chase Sapphire Reserve vs USAA Cashback Rewards Plus American Express Card

Side-by-side comparison of Chase Sapphire Reserve and USAA Cashback Rewards Plus American Express Card. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Chase Sapphire Reserve	USAA Cashback Rewards Plus American Express Card
Issuer	Chase	USAA
Network	Visa	American Express
Card Material	Metal	Plastic
Annual Fee	$795.00	$0.00
Base Rate	1.00%	1.00%
Travel Rewards	3.00x	0.00x
Auth. User Fee	$75.00	$0.00
Foreign Txn Fee	0%	0%
Lifecycle	Available	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.0% (base)	1.0% (base)
Hotels	10.0%	1.0% (base)
Airline	5.0%	1.0% (base)
Restaurants	3.0%	1.0% (base)
Travel	3.0%	1.0% (base)
Lyft	5.0%	1.0% (base)
Gas Stations	1.0% (base)	5.0%
military base purchases	1.0% (base)	5.0%
Supermarket purchases (up to $3,000/year)	1.0% (base)	2.0%
Anniversary Bonus	None	None
Portal Boost	1.5x	1x

Benefits & Partners

Transfer Partners	14 partners	None
Annual Credits	None	None

Transfer Partners

1:1

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Pricing Details

Purchase APR	12.74% - 21.24%	17.15% - 31.15%
Cash Advance APR	21.74%	31.15%
Penalty APR	23.24%	32.4%
Late Fee	$40	$35
Balance Transfer Fee	undefined% (min $0)	undefined% (min $0)

Insurance & Protections

Auto Rental	✓	Secondary
Baggage Delay	✓	Up to $100 per day for 3 days
Baggage Loss	✓	—
Cell Phone Protection	—	—
Extended Warranty	✓	Doubles original warranty up to 1 additional year
Purchase Protection	120 days	—
Return Protection	—	—
Roadside Dispatch	Pay-per-use	—
Trip Cancellation Interruption	✓	Up to $1,500 per covered person
Trip Delay	✓	—
Tsa Precheck Global Entry	✓	—

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Standard	Standard