The USAA Cashback Rewards Plus American Express is a personal credit card from USAA Cashback Rewards Plus American Express. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 16.15%–30.90% variable. Approval typically requires a credit score of 650-700 or higher. Rewards: 5% on your first $3,000 in purchases at military installations and on base purchases, 2% at grocery stores and gas stations, 1% everywhere else. No annual fee.. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: American Express application limits: 1-in-5 (max 1 personal card approval per 5-day window) AND 2-in-90 (max 2 cards approved within any rolling 90-day period). Sign-up bonuses are once-per-lifetime per card product family. Charge cards (Green/Gold/Platinum) generally don't count toward credit-card velocity rules..