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Friday, October 23, 2026 Independent since 2026. We are not a lender.

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Cash Back Rewards Plus American Express® Card from USAA: annual fee, APR and rewards

Fact sheet for the Cash Back Rewards Plus American Express® Card, issued by USAA, with no annual fee. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	USAA
Network	American Express
Annual fee	$0
Fee waiver	No annual fee per CFPB TCCP (Jul:Dec 2025); not verified on the card page
Rewards	No rewards
Balance transfer fee	5% of the amount of each Balance Transfer (USAA Credit Card Agreement Pricing Addendum, all cards)
Foreign transaction fee	None
Credit level	Excellent, Good, Poor, Limited (tiers the issuer reports to the CFPB)

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 24.65%, with a range of 15.65% to 27.65%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.

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Checked on October 16, 2026 on the issuer's official site. Terms change: confirm before you apply. usaa.com/banking/credit-cards-public/cash-… · static.usaa.com/content/dam/digital/documents/pdf… · files.consumerfinance.gov/f/documents/cfpb_tccp-data_2025-1…

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