USAA Cashback Rewards Plus

The Cashback Rewards Plus pays 5% on gas on the first $3,000 a year and 5% at military bases on the first $5,000 a year, with no annual fee, which makes it a strong fit for anyone who fuels up often or shops on base. Groceries earn 3% on the first $3,000 a year, rounding out a solid set of everyday categories. The catch is the caps: once you hit them, those purchases drop to the 1% base rate, so big spenders will outgrow the bonus tiers quickly. There is also a 0% intro APR on balance transfers through the March 2028 billing cycle for transfers posted by November 30, 2026, though the 5% transfer fee eats into the savings. No foreign transaction fee makes it usable abroad, but keep in mind it runs on the American Express network, which is not accepted everywhere.