The Cashback Rewards Plus is aimed squarely at military households: 5% back on military base purchases on the first $5,000 each year, 5% on gas on the first $3,000, and 3% on groceries on the first $3,000, all with no annual fee and no foreign transaction fee. If you shop on base and buy gas regularly, those are strong rates for a card that costs nothing to hold. The caps are the thing to watch, because every dollar past them drops to the 1% base rate, and 1% is all you get on anything outside those three categories. There is no signup bonus, and while a 0% intro APR runs on balance transfers through the March 2028 billing cycle for transfers posting by November 30, 2026, it carries a 5% transfer fee that eats into the savings. It is a solid supporting card for the right spending profile rather than an everywhere card.
Earn rates & credits
| Category | Rate |
|---|---|
Military Base Purchases First $5,000/year | 5% |
Gas First $3,000/year | 5% |
Groceries First $3,000/year | 3% |
Everything Else | 1% |
Card details
Regular APR | 15.4%–27.4% variable |
Intro APR on balance transfers | 0% for 20 months |
Foreign transaction fee | None |