USAA Cashback Rewards Plus

The USAA Cashback Rewards Plus card offers standout value for military families and frequent drivers, with 5% cash back on gas and purchases at military bases, though both categories cap at $3,000 and $5,000 per year, respectively. Groceries earn a solid 3% cash back up to $3,000 annually, making it a strong contender for everyday spending. With no annual fee, it's an appealing option for those who can maximize these categories. However, once you hit the spending caps, the rewards drop to a standard 1% on everything else, so it's less compelling for higher spenders who exceed those limits. The regular APR ranges from 16.9% to 30.9%, so carrying a balance could get expensive.