USAA Cashback Rewards Plus

The Cashback Rewards Plus is a strong no-annual-fee pick for USAA members who fill up often: 5% back on the first $3,000 of gas each year and 5% on the first $5,000 at military bases, plus 3% on the first $3,000 of groceries. Those caps are the catch, since everything beyond them and all other spending drops to 1%, so heavy spenders will hit the ceilings and want a flat-rate card alongside it. There is also a 0% intro APR on balance transfers through the March 2028 billing cycle, but only for transfers that post by November 30, 2026, and each one carries a 5% fee. No foreign transaction fee is a nice bonus for deployments and travel. Keep in mind it runs on the American Express network, which is not accepted everywhere a Visa is.