I have been well pleased with USAA bank. Their staff is always available and has the answers to my questions whenever I ask. I would also recommend their insurance plans for home and car.

Customer service is great but trying to give someone with a 750 credit score with 10 years of good history a 9% credit for a loan is ridiculous. I give 3 stars because when I need them, they are there. It’s just obvious that the company exploits being “for service members” whilst taking from service members.

I got this card primarily so I could get 5% cash back on base purchases. I have been using for several months and just looked up my rewards.

Firstly, the website makes it incredibly confusing to get an accurate look at what your rewards percentage actually is for each individual purchase. For example, my wife's duplicate card is only showing 1% cash rewards for everything. Over the phone with USAA, I was told that duplicate cards always show only 1% on the card reward details webpage, but it adds another 4% into your total rewards. It may be true, but the only way for me to actually verify that is to look at the total rewards and subtract the rewards amount from my card and then do some more math - well it is unnecessarily difficult to say the least. It blows my mind in 2019 that they can't get their website to simply show the exact percentage and amount of cash rewards earned on each purchase. My other credit cards seem to do that without difficulty.

So I also noticed that while I am getting 5% on gas purchases on my card, I am only getting 1% on all my base purchases, mostly Navy Exchanges (different ones in different states). I asked USAA to clarify this as well. Was the other 4% magically showing up somewhere else, in a way that I couldn't track it, like my wife's rewards supposedly were? No. After they put me on hold for 5 minutes they came back and confirmed that all my on base purchases were only earning me 1%. They blamed the Navy Exchange for coding their stores as "general merchandise" instead of "military" or something like that. It seems that USAA should probably look at those codes before promising 5% cash back on all on base purchases.

In conclusion, this card is useful only for earning 5% cash back on gas, at least for me and also possibly (still not really sure) for my wife's card. Since you almost certainly have another card that can beat the 1% for on base purchases, then the card is really not useful for that purpose. Perhaps you live on a base where all the military stores code the way that USAA thinks they should, and you will earn the advertised 5%. Good luck trying to figure that out in advance.

With the combination of much lower than expected rewards and a website that is confusing as hell when trying to track your rewards, I regret that I ever got this card. For now I'll keep it in my wallet and use it for gas only, but if I can find another card that comes close on gas then I'll probably throw it permanently in the same drawer as my other USAA credit card. They do banking well but I am 0 for 2 on USAA credit cards. Never again.

I do NOT recommend that anyone get the USAA Cashback Rewards Plus AMEX if they want to get the 5% back on base purchases. I made several transactions at the Navy Exchange, which should code according to the card’s rewards terms and conditions as a base purchase.

"Qualifying Purchases on Military Bases" are Qualifying 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).

These transactions, however, coded as 1 cent per dollar cash back. When I called USAA to inquire I was told that it is up to the individual Exchange on how they code the transaction based on items I purchase. He said I could get back anywhere from 1 cent, 2 cents, 3 cents, etc. depending on what I buy. I bought some baby supplies and clothing, but apparently these items didn’t qualify. I’ve heard of merchants coding incorrectly, but this excuse of individual items coding incorrectly does not sound right.

I read that these base merchants (Exchanges, Commissaries, Gas Stations) no longer code as “Government Service” but now as "General Merchandise," which will not trigger the 5%. Ultimately if this is true, then this card is now promoted on the basis of false advertisement.

It’s ridiculous that USAA won’t honor their 5% category, which was the main sticking point in getting this card and that I have to hope for the 5%, which apparently is unlikely. Beyond telling me it’s up to the merchant, they did nothing to rectify the problem.

I don’t use it for gas since I live right next to a Costco which has vastly cheaper prices than base, but doesn’t accept AMEX, so I use my Costco Anywhere VISA that earns 4% back.

I would NEVER ever have a card from USAA .. I have outstanding credit and they refused to give my card a increase where Discover and Chase did in 3 months more than I will ever need and all this with out my request..hmm wonder if its because I pay my card off every month ???

It's a great card. The rewards rate is nice for someone just starting out, like me. However, I rate the card this way because it's hard to find it accepted in many places. People told me to avoid american express, but at first glance I just couldn't see why. However, not having the card accepted on many websites and stores is so frustrating, especially when trying to build credit. No complaints from the customer service, in fact, it's the best part. Any time I have called them has been a complete breeze and the rep is always friendly. If the card was accepted in more places, I would rate it much higher.

Balance transfer rate is optimum. APR seems to be very high. Annual fee is none, this is very good feature.2% cash back on up to $3,000 in supermarket purchases per year can be increased.MAX PENALTY APR and MAX OVERLIMIT FEE is fair.According to me, MAX LATE FEE is high. CASH ADVANCE RATE and CASH ADVANCE FEE is fine.