USAA Cashback Rewards Plus Card Calculator

Review the benefits of the USAA Cashback Rewards Plus Card, calculate how much cash back you can earn based on your spend, and compare results to top cards.
Updated 2020-07-11 By Robert Flowers III

The USAA Cashback Rewards Plus 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 Card can hold it's own as it still has great earning potential.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Bonus Categories

The USAA Cashback Rewards Plus 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 Card overall.

  • 5% Gas Station
    • Combined cap of $3,000 shared with the military base category; earn 1% for remainder of year once cap is hit.
  • 5% Military Base
    • Combined cap of $3,000 shared with the gas station category; earn 1% for remainder of year once cap is hit.
  • 2% Supermarket
    • Spend cap of $3,000 per year; earn 1% for remainder of year once cap is hit.
    • Spend cap is not shared with gas station and military base categories.
  • 1% Non-Category

Perks & Benefits

The USAA Cashback Rewards Plus Card features APR benefits for those in the military along with travel and purchase coverage.


Annual Fee

There is no annual fee for the USAA Cashback Rewards Plus 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 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 Card has a 0% foreign transaction fee. This lets you use the card worldwide anywhere AMEX is accepted without being penalized for international spending.

Rewards Calculator

You can use the 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 the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

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 other rewards card side-by-side by clicking on the Compare A Card button.
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These are similar cards based on earning structure and other benefits (that aren't part of the same family).
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Category Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all rewards earned from Category Spending and Reward Bonuses, along with the cash value of it all based on Currency Worth.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of Total Earnings based on Currency Worth.

Rakuten Rewards

$25 Bonus
Earn $25 or 2,500 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $25+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User 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 based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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