Citi Rewards+ Card vs USAA Cashback Rewards Plus American Express Card

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

Snapshot

	Citi Rewards+ Card	USAA Cashback Rewards Plus American Express Card
Issuer	Citi	USAA
Network	Mastercard	American Express
Card Material	Plastic	Plastic
Annual Fee	$0.00	$0.00
Base Rate	1.00%	1.00%
Travel Rewards	0.00x	0.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	3%	0%
Lifecycle	Available	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.0% (base)	1.0% (base)
Supermarkets	2.0%	1.0% (base)
Gas Stations	2.0%	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	1x	1x

Benefits & Partners

Transfer Partners	3 partners	None
Annual Credits	None	None

Transfer Partners

5:4

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Pricing Details

Purchase APR	18.24% - 28.24%	17.15% - 31.15%
Cash Advance APR	29.99%	31.15%
Penalty APR	29.99%	32.4%
Late Fee	$41	$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	—	—
Return Protection	—	—
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