Platinum Credit Card vs USAA Cashback Rewards Plus American Express Card

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

Snapshot

	Platinum Credit Card	USAA Cashback Rewards Plus American Express Card
Issuer	Navy Federal Credit Union	USAA
Network	Mastercard	American Express
Card Material	Plastic	Plastic
Annual Fee	$0.00	$0.00
Base Rate	0.00%	1.00%
Travel Rewards	0.00x	0.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	0%	0%
Lifecycle	Available	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	0.0% (base)	1.0% (base)
Gas Stations	0.0% (base)	5.0%
military base purchases	0.0% (base)	5.0%
Supermarket purchases (up to $3,000/year)	0.0% (base)	2.0%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	None	None
Annual Credits	None	None

Transfer Partners

Pricing Details

Purchase APR	11.24% - 18%	17.15% - 31.15%
Cash Advance APR	13.24%	31.15%
Penalty APR	N/A	32.4%
Late Fee	$20	$35
Balance Transfer Fee	undefined% (min $0)	undefined% (min $0)

Insurance & Protections

Auto Rental	Secondary	Secondary
Baggage Delay	—	Up to $100 per day for 3 days
Baggage Loss	—	—
Cell Phone Protection	Up to $600 per claim	—
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