USAA Cashback Rewards Plus

The standout here is 5% cash back on gas, on the first $3,000 a year, alongside 5% on military base purchases up to $5,000 a year and 3% at grocery stores on the first $3,000, all with no annual fee and no foreign transaction fees. Those are strong rates for a fee-free card, and the caps are generous enough to cover a typical year of commuting and food shopping. Two things temper it: everything outside those categories earns just 1%, so this works as a supplement rather than a sole card, and the military base bonus only pays off if you actually shop on base. There's also a 0% intro APR for 20 months on balance transfers that post by November 30, 2026, though the 5% transfer fee eats into that benefit. Regular APR runs 15.4% to 27.4%, so the caps are worth tracking if you'd otherwise carry a balance.