USAA Cash Back - Credit Cards and Calculators

USAA Cash Back Calculators

Calculate how much cash back you can earn with USAA cash back credit cards based on your monthly/yearly spend and compare side-by-side top rewards cards.


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Program Details

USAA offers two cash back credit cards in which each card compliments the other to form a decent cash back combo. USAA cash back is easily redeemed for your basic statement credits and cash redemptions. USAA cards also offers additional benefits to those deployed and/or in the military. You can become a USAA member for free if:

  • You're in the U.S. military or were honorably discharged
  • You're joining the U.S. military
  • Your parent or spouse is (or was) a USAA member

If you're able to become a members, I recommend taking a look at USAA cash back cards as well as USAA Reward Points cards.

Redeeming USAA Cash Back

Cash back earned with USAA cash back credit cards can be redeemed in the USAA Rewards Service Center in increments of $1. It can be redeemed for cash that can either be applied as a credit to your USAA account or deposited into your USAA checking or savings account.

Credit Card Rewards Calculators

USAA has two cash back earning credits cards. The USAA Cashback Rewards Plus card offers high returns on gas station and military based purchases and a decent return on grocery. The drawback is that the Cashback Rewards Plus has a combined cap of $3,000 in the 5% category and the same cap on the 2% category which is not a lot of wiggle room for an entire year worth of purchases. The USAA Preferred Cash Rewards Visa offers unlimited 1.5% cash back on all purchases which makes it a good card for picking up all the purchases that the USAA Cashback Rewards Plus would only earn 1% cash back for.

Compare credit cards side by side based on spend. Calculators also reflect when you've passed the category cap (yellow square).

USAA Credit Card Cash Back Calculators

You can click on any of the USAA credit cards below to learn about the bonus categories, perks & benefits, standard sign up bonus, and fees of the card. Each USAA credit card also has it's own cash back calculator. The calculator will calculate how much USAA cash back you can earn and the cash value of the USAA credit card based on your monthly/yearly spend, how much each card benefit is worth to you, and the fees of the card. You can compare the results side by side any credit card featured on the site. Any spend you enter into the credit card cash back calculator will carry over to all credit card calculators on the site, so there's no need to re-enter spend when jumping page to page.

Comparison Calculators

Comparison Calculators features side by side comparisons of frequently compared credit cards or comparisons requested through our YouTube channel. These calculators are already set up so you can immediately start calculating total rewards as well as the cash value of the compared cards based on your monthly/yearly spend, how much the card benefits are worth to you, and the annual fees. Comparison Calculators does not allow you to change the designated cards being compared. If you want to compare credit cards outside of the comparisons listed below, I recommend searching for the credit card you want to compare and then using its calculator to compare it against anything featured on the site.

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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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