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CardCurator — Rewards Intelligence
Card Comparison

USAA Cashback Rewards Plus American Express Card vs USAA Preferred Cash Rewards Visa Signature Card

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

USAA Cashback Rewards Plus American Express Card card art
USAA Rewards
USAA Cashback Rewards Plus American Express Card
USAA
More Info
USAA Preferred Cash Rewards Visa Signature Card card art
USAA Rewards
USAA Preferred Cash Rewards Visa Signature Card
USAA
More Info
Annual Fee
No annual fee
No annual fee
Foreign Fees
3%
3%
Signup Bonus
None
None
Top Earn Rates
  • Gas Stations 5x
  • Military Base 5x
  • Groceries 2x
1.48x base rate
Reward Type
cashback
cashback
Key Credits
None
None
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Common Questions: USAA Cashback Rewards Plus American Express Card vs USAA Preferred Cash Rewards Visa Signature Card

Is the USAA Cashback Rewards Plus American Express Card or USAA Preferred Cash Rewards Visa Signature Card better for dining?

Neither card offers a specific dining bonus — both earn their base rate on restaurant purchases.

Which has the higher signup bonus in 2026?

Neither card has a current public signup bonus. Check the issuers' sites for any targeted offers.

Which card is better for international travel?

Both cards charge foreign transaction fees (USAA Cashback Rewards Plus American Express Card: 3%, USAA Preferred Cash Rewards Visa Signature Card: 3%). Consider a no-foreign-fee card for international travel.

Can I hold both the USAA Cashback Rewards Plus American Express Card and the USAA Preferred Cash Rewards Visa Signature Card?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Both cards are from USAA, so check their specific application rules.