USAA Cashback Rewards Plus American Express Card vs Chase Freedom Flex℠

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

Snapshot

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

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.0% (base)	1.0% (base)
Gas Stations	5.0%	1.0% (base)
military base purchases	5.0%	1.0% (base)
Supermarket purchases (up to $3,000/year)	2.0%	1.0% (base)
Rotating Quarterly Categories	1.0% (base)	5.0%
Travel	1.0% (base)	5.0%
Restaurants	1.0% (base)	3.0%
Drugstores	1.0% (base)	3.0%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	None	None
Annual Credits	None	None

Transfer Partners

Pricing Details

Purchase APR	17.15% - 31.15%	11.49% - 20.99%
Cash Advance APR	31.15%	21.74%
Penalty APR	32.4%	23.24%
Late Fee	$35	$40
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