Snapshot

USAA Cashback Rewards Plus American Express Card
USAA Cashback Rewards Plus American Express Card
Amex Optima Card
Amex Optima Card
IssuerUSAAAmerican Express
NetworkAmerican ExpressAmerican Express
Card MaterialPlasticPlastic
Annual Fee$0.00$49.00
Base Rate1.00%0.00%
Travel Rewards0.00x0.00x
Auth. User Fee$0.00$0.00
Foreign Txn Fee0%2.7%
LifecycleAvailableActive

Welcome Offer

BonusNoneNone
Spend Requirement
Timeline

Rewards Breakdown

Base Rate1.0% (base)0.0% (base)
Gas Stations5.0%0.0% (base)
military base purchases5.0%0.0% (base)
Supermarket purchases (up to $3,000/year)2.0%0.0% (base)
Anniversary BonusNoneNone
Portal Boost1x1x

Benefits & Partners

Transfer PartnersNoneNone
Annual CreditsNoneNone

Transfer Partners

Pricing Details

Purchase APR17.15% - 31.15%14.99% - 14.99%
Cash Advance APR31.15%28.74%
Penalty APR32.4%29.99%
Late Fee$35$40
Balance Transfer Feeundefined% (min $0)N/A

Insurance & Protections

Auto RentalSecondary
Baggage DelayUp to $100 per day for 3 days
Baggage Loss
Cell Phone Protection
Extended WarrantyDoubles original warranty up to 1 additional year
Purchase Protection
Return Protection
Trip Cancellation InterruptionUp to $1,500 per covered person
Trip Delay
Tsa Precheck Global Entry

Usability & Experience

Digital WalletN/AN/A
Instant Card Number
Credit BureausN/AN/A

Strategy & Eligibility

Recommended CreditN/AN/A
Application RulesStandardStandard