USAA AmEx Card Vs. Blue Cash Preferred


I have been getting a lot of questions about the new advertising campaign for the USAA AmEx Card so I thought I would put together a quick compare with the other AmEx cash back products I use:

Blue Cash Pref USAA EveryDay Pref
Groceries 6% 5%Commisary, 2% off base 4.5 pts
Gas 3% 5% 3 pts
Base Exch 1% 5% 1 pts
Yr Limit $6,000 $3,000 $6,000
Annual Fee $95 waived for mil Free $95 waived for mil

The email says this:

usaa terms

Well this is tough, I think if you shop a lot on base you get more out of the USAA, but if you spend more than $3,000 a year then the Amex Blue Cash Preferred will give you more cash back up to $6k.

However I personally value points more than cash back, so I put up the Everyday Preferred points assuming you meet the 30 transactions per week. Assuming you are getting 2 cents per point you could potentially get 9% on groceries and 6% on gas in the form of hotel stays or airplane tickets with the Everyday Preferred.

Hope that clarifies your options.


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