Best card to pair with the USAA Cashback Rewards Plus American Express
Robinhood Gold Card adds the most next to it: together they keep $667 a year after both fees from typical spending, $288 more than the Cashback Rewards Plus American Express on its own.
- Updated October 17, 2026
- $22,300 a year of spending
- Rankings are never paid for
Best pair
Keeps $667 a year after fees
- Earns $717 a year on the spending below; fees come to $50.
- That's $288 more than the Cashback Rewards Plus American Express alone ($379).
- Not everyone can get Usaa Cashback Rewards Plus or spend its rewards freely.
- Robinhood Gold Card needs Robinhood Gold ($50 a year), counted in the fees.
Rates change, so verify them with the issuer before you apply.
The best partners
What each card adds to the Cashback Rewards Plus American Express in a year, after its own fee, with every purchase on whichever of the two earns more. On its own, the Cashback Rewards Plus American Express keeps $379 a year.
| Partner | Adds a year | Together | Its fee |
|---|---|---|---|
| #1 Robinhood Gold Card | +$288 | $667 | $50 |
| #2 Barclays Wyndham Rewards Earner Plus | +$223 | $602 | $95 |
| #3 Capital One Venture Rewards | +$209 | $588 | $95 |
| #4 Citi Strata Premier | +$207 | $586 | $95 |
| #5 Wells Fargo Active Cash | +$169 | $548 | $0 |
Which card to use
A year of spending, each purchase on the card that earns the most on it. When a bonus runs out at its cap, the rest goes on the next best card.
| Category | Spend a year | Use | Earns |
|---|---|---|---|
| Groceries | $6,200 | Robinhood Gold Card | $186 3% |
| Dining | $3,900 | Robinhood Gold Card | $117 3% |
| Gas | $2,400 | Usaa Cashback Rewards Plus | $120 5% |
| Travel | $2,500 | Robinhood Gold Card | $75 3% |
| Drugstores | $700 | Robinhood Gold Card | $21 3% |
| Everything else | $6,600 | Robinhood Gold Card | $198 3% |
| Total | $22,300 | $717 |