If your spending clusters on or near a military base, this is the strongest card in USAA's cash back lineup: 5% back on base purchases on the first $5,000 each year, plus 5% on gas on the first $3,000 and 3% at grocery stores on the same $3,000 cap. There is no annual fee and no foreign transaction fee, which matters for anyone stationed overseas. The caps are the real limit: once you clear them everything falls to the 1% base rate, so the card's annual ceiling is a few hundred dollars rather than open-ended. USAA is also running a 0% intro APR on balance transfers through the March 2028 billing cycle for transfers that post by November 30, 2026, though the 5% transfer fee takes a meaningful bite out of that. One practical note: it runs on the Amex network rather than Visa, so confirm the merchants you use most will take it.
Earn rates & credits
| Category | Rate |
|---|---|
Military Base Purchases First $5,000/year | 5% |
Gas First $3,000/year | 5% |
Groceries First $3,000/year | 3% |
Everything Else | 1% |
Card details
Regular APR | 15.4%–27.4% variable |
Intro APR on balance transfers | 0% for 20 months |
Foreign transaction fee | None |