CardRewardsEditorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: June 2026.
Both cards cost $0/yr. The PenFed Platinum Rewards Visa Signature® Card is better for gas stations, while the USAA Cashback Rewards Plus American Express Card wins on gas stations. Here's how they compare.
PenFed
USAA
Annual Fee
Welcome Bonus
| Category | PenFed Platinum Rewards Visa Signature® Card | USAA Cashback Rewards Plus American Express Card |
|---|---|---|
| Gas Stations | 5X | 5X |
| Military Base Purchases | 1X |
The PenFed Platinum Rewards Visa Signature® Card wins in 3 of 4 categories. The USAA Cashback Rewards Plus American Express Card leads in 1.
Dining
PenFed Platinum Rewards Visa Signature® Card earns 3X vs 1X
Grocery Stores
PenFed Platinum Rewards Visa Signature® Card earns 3X vs 2X
Streaming
PenFed Platinum Rewards Visa Signature® Card earns 3X vs 1X
Military Base Purchases
USAA Cashback Rewards Plus American Express Card earns 5X vs 1X
Get the PenFed Platinum Rewards Visa Signature® Card if you:
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.
Both cards cost $0/yr. The PenFed Platinum Rewards Visa Signature® Card is better for gas stations, while the USAA Cashback Rewards Plus American Express Card wins on gas stations. Here's how they compare.
PenFed
USAA
Annual Fee
Welcome Bonus
| Category | PenFed Platinum Rewards Visa Signature® Card | USAA Cashback Rewards Plus American Express Card |
|---|---|---|
| Gas Stations | 5X | 5X |
| Military Base Purchases | 1X |
The PenFed Platinum Rewards Visa Signature® Card wins in 3 of 4 categories. The USAA Cashback Rewards Plus American Express Card leads in 1.
Dining
PenFed Platinum Rewards Visa Signature® Card earns 3X vs 1X
Grocery Stores
PenFed Platinum Rewards Visa Signature® Card earns 3X vs 2X
Streaming
PenFed Platinum Rewards Visa Signature® Card earns 3X vs 1X
Military Base Purchases
USAA Cashback Rewards Plus American Express Card earns 5X vs 1X
Get the PenFed Platinum Rewards Visa Signature® Card if you:
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.
Both cards cost $0/yr. The PenFed Platinum Rewards Visa Signature® Card is better for gas stations, while the USAA Cashback Rewards Plus American Express Card wins on gas stations. Here's how they compare.
PenFed
USAA
Annual Fee
Welcome Bonus
| Category | PenFed Platinum Rewards Visa Signature® Card | USAA Cashback Rewards Plus American Express Card |
|---|---|---|
| Gas Stations | 5X | 5X |
| Military Base Purchases | 1X |
The PenFed Platinum Rewards Visa Signature® Card wins in 3 of 4 categories. The USAA Cashback Rewards Plus American Express Card leads in 1.
Dining
PenFed Platinum Rewards Visa Signature® Card earns 3X vs 1X
Grocery Stores
PenFed Platinum Rewards Visa Signature® Card earns 3X vs 2X
Streaming
PenFed Platinum Rewards Visa Signature® Card earns 3X vs 1X
Military Base Purchases
USAA Cashback Rewards Plus American Express Card earns 5X vs 1X
Get the PenFed Platinum Rewards Visa Signature® Card if you:
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.
| 5X |
| Dining | 3X | 1X |
| Grocery Stores | 3X | 2X |
| Streaming | 3X | 1X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
| 5X |
| Dining | 3X | 1X |
| Grocery Stores | 3X | 2X |
| Streaming | 3X | 1X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
| 5X |
| Dining | 3X | 1X |
| Grocery Stores | 3X | 2X |
| Streaming | 3X | 1X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons