USAA Cashback Rewards Plus American Express Card vs Chase Sapphire Preferred

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

Snapshot

	USAA Cashback Rewards Plus American Express Card	Chase Sapphire Preferred
Issuer	USAA	Chase
Network	American Express	Visa
Card Material	Plastic	Metal
Annual Fee	$0.00	$95.00
Base Rate	1.00%	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	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)
Travel	1.0% (base)	5.0%
Restaurants	1.0% (base)	3.0%
Supermarkets	1.0% (base)	3.0%
Streaming	1.0% (base)	3.0%
Peloton	1.0% (base)	5.0%
Lyft	1.0% (base)	5.0%
Anniversary Bonus	None	0.1
Portal Boost	1x	1.25x

Benefits & Partners

Transfer Partners	None	14 partners
Annual Credits	None	None

Transfer Partners

—

1:1

Pricing Details

Purchase APR	17.15% - 31.15%	12.49% - 20.74%
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