USAA Cashback Rewards Plus American Express® Rewards Calculator
On a typical $2,400/month spending mix, the USAA Cashback Rewards Plus American Express® earns about $431 a year — an effective 1.5% back.
Light spender — $1,200/month
| Category | Monthly spend | Rate | Per year |
|---|---|---|---|
| Groceries | $220 | 2x | $53 |
| Dining | $140 | 1x | $17 |
| Travel | $70 | 1x | $8 |
| Gas & transit | $100 | 5x | $60 |
| Online shopping | $120 | 1x | $14 |
| Streaming | $20 | 1x | $2 |
| Everything else | $530 | 1x | $64 |
| Total | $1,200 | 1.52% | $218 |
Typical spender — $2,400/month
| Category | Monthly spend | Rate | Per year |
|---|---|---|---|
| Groceries | $430 | 2x | $103 |
| Dining | $290 | 1x | $35 |
| Travel | $140 | 1x | $17 |
| Gas & transit | $190 | 5x | $114 |
| Online shopping | $240 | 1x | $29 |
| Streaming | $50 | 1x | $6 |
| Everything else | $1,060 | 1x | $127 |
| Total | $2,400 | 1.5% | $431 |
Heavy spender — $4,500/month
| Category | Monthly spend | Rate | Per year |
|---|---|---|---|
| Groceries | $810 | 2x | $194 |
| Dining | $540 | 1x | $65 |
| Travel | $270 | 1x | $32 |
| Gas & transit | $360 | 5x | $216 |
| Online shopping | $450 | 1x | $54 |
| Streaming | $90 | 1x | $11 |
| Everything else | $1,980 | 1x | $238 |
| Total | $4,500 | 1.5% | $810 |
First-year value
$431 rewards + $150 welcome bonus (150 dollars, as of July 2026) = $581
Try your own numbers
$430
$290
$140
$190
$240
$50
$1060
$2,400/mo → $431/yr with the USAA Cashback Rewards Plus American Express® (1.5% back)
How it stacks up in cash back
- USAA Cashback Rewards Plus American Express®: $431/yr
- Robinhood Gold Card : $864/yr on the same spending
- Alliant Cashback Visa® Signature Card : $720/yr on the same spending
- Blue Cash Preferred® Card from American Express : $622/yr on the same spending
Source: 67.credit, “USAA Cashback Rewards Plus American Express® Rewards Calculator”, rates verified 2026-05-12 — 67.credit/card/usaa-cashback-rewards-plus/calculator