USAA Cashback Rewards Plus Card - Cash Back Calculator

USAA CashBack Rewards Plus Card

5% Gas
5% Military Base Purchases
2% Supermarket

Calculate total cash back and cash value of the USAA Cashback Rewards Plus Card based on monthly/yearly spend and compare the results against top cards.

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The USAA Cashback Rewards Plus Credit Card offers an outstanding return on both gas and military base purchases. It also provides cash back for general supermarket purchases as well. The drawback is that all three categories have a cap with the gas and military base purchases sharing the same cap. This limits the return a little when compared to other reward cards, but the USAA Cashback Rewards Plus Credit Card can hold it's own as it still has great earning potential.

Bonus Categories

The USAA Cashback Rewards Plus Credit Card features three bonus categories which are gas stations, military base purchases, and supermarkets. Gas stations and military base purchases have a combined limited of $3,000 spend per year in which it earns 1% cash back after you spend pass that limit. The supermarket category also has a $3,000 per year cap that earns 1% cash back after you pass that limit. There is no limit to the amount of cash back you can earn with the USAA Cashback Rewards Plus Credit Card. The details on the bonus categories of this card are listed below.

5% Gas Station

The USAA Cashback Rewards Plus Credit Card earns 5% cash back per $1 spent when used at gas stations. These type of purchases will be good for businesses that are included in a merchant category identified as primarily selling automobile gasoline to consumers. This means gas stations such as Exxon, Speedways and BP.

Earning 5% cash back at gas stations is superb and is one of the highest earning rates in the credit card industry. Unfortunately, this card has a $3,000 spend cap that is shared with the Military Base category. Between both bonus of these categories, you can earn a max of $150 at the 5% rate. The cap only allows for $250 a month in combined spending per month which is not a lot of wiggle room. If you spend more than $333 a month then you're better off the Costco Anywhere Visa. The Sam's Club Mastercard earns 5% on the first $6,000 in purchases which greatly increases the wiggle room for anyone spending more than $250 a month. The only drawback to both the Costco and Sam's Club Card (at least for most people) is the fact that the cash back earned on both cards is given out annually in the beginning of the year. So you will not be able to use your rewards as you earn them. If this is not a problem to you, you may want to look at these two alternatives!

5% Military Base

Spending done on Military Bases with the USAA Cashback Rewards Plus Credit Card will earn 5% cash back per $1 spent. This includes purchases made at businesses that are included in a merchant category identified as primarily selling goods and/or services on United States military bases (such as commissaries, exchanges and shoppettes). This is a rare category in the credit card world, so if you live on base or occasionally spend on base, this could be a very useful bonus category.

2% Supermarket

Supermarket purchases on the USAA Cashback Rewards Plus Credit Card will earn 2% cash back per $1 spent. This is relatively low compared to other cards like the AMEX Blue Cash Preferred which earns 6% cash back on the first $6,000 in purchases. If you are (or were) military, AMEX waives all fees so you have a few better options to choose from when it comes to Supermarket purchases.

1% Non-Category

All other purchases on the USAA Cashback Rewards Plus Credit Card will earn 1% cash back per $1 spent. This is a terrible rate for non-category purchases when their are so many other options to choose from. If you're sticking with the USAA family of cards, the USAA Preferred Rewards Visa Signature earns 1.5% cash back on all purchases. Using this card will accumulate a lot more cash back during the year even at the slight difference of 0.5%. You can also find other reward cards to cover more categories that you spend in on a daily or monthly basis.

Perks and Benefits

Military APR Benefits

USAA Cashback Rewards Card holders will receive an extremely reduced APR rate on all balances for up to 12 months during deployments or PCS. Cardholders will also receive a special rate on the balance of the account when the they enter active military duty which will last until one year after they complete active duty.

Credit Card Fees

Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

There is no annual fee for the USAA Cashback Rewards Plus Credit Card. This means you will always earn the maximum rate of return without worrying about trying to spend a certain amount every year to make the card worth it.

Authorized User Fee

The USAA Cashback Rewards Plus Credit Card does not have an authorized user fee. If you have family or friends that shop in these bonus categories, adding them as authorized users will help build cash back faster.

Foreign Transaction Fee

The USAA Cashback Rewards Plus Credit Card has a 0% foreign transaction fee. This lets you use the card worldwide anywhere AMEX is accepted without being penalized for international spending.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
0 Cent(s)
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
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Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
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Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
Edit Fees
Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth Fee: -
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
Total Return
The percent you are earning per dollar spent on this card.

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Page Last Updated: 2019-09-22

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.

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