USAA Cashback Rewards Plus American Express vs Rewards American Express
Both are USAA cards. Here is every spend category, ranked by what each card actually returns.
Everything else
- Cashback Rewards Plus American Express 1.0% 1% base rate
- Rewards American Express 1.0% 1x base rate
Dining
- Rewards American Express 3.0% 3x
- Cashback Rewards Plus American Express 1.0% 1% base rate
Groceries
- Cashback Rewards Plus American Express 3.0% 3%, capped
- Rewards American Express 2.0% 2x
Gas
- Cashback Rewards Plus American Express 5.0% 5%, capped
- Rewards American Express 2.0% 2x
What the numbers are doing
Cashback Rewards Plus American Express's 3% on groceries runs out: it applies to the first $3,000 of groceries spend a year, and everything past that earns 1%.
Where they differ: Rewards American Express takes dining; Cashback Rewards Plus American Express takes groceries and gas.
| Category | Best card |
|---|---|
| Everything else | Cashback Rewards Plus American Express1.0% |
| Dining | Rewards American Express3.0% |
| Groceries | Cashback Rewards Plus American Express3.0% |
| Gas | Cashback Rewards Plus American Express5.0% |
Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.
Every category, every card
Everything else
- Cashback Rewards Plus American Express — 1.0%
- Rewards American Express — 1.0%
Dining
- Rewards American Express — 3.0%
- Cashback Rewards Plus American Express — 1.0%
Groceries
- Cashback Rewards Plus American Express — 3.0%
- Rewards American Express — 2.0%
Gas
- Cashback Rewards Plus American Express — 5.0%
- Rewards American Express — 2.0%
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