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Colleen LaRose, a woman from suburban Philadelphia who was "desperate to do something" to help suffering Muslims, is also accused of agreeing to kill a Swedish citizen on orders from unnamed terrorists.
Miss LaRose, who is believed to be 47, is alleged to have travelled to Sweden to carry out the killing, but it is understood she was stopped by the authorities before she could do it.
A Justice Department statement said she was recruited over the internet by a contact who ordered her to kill the target in a way that would frighten "the whole Kufar [non-believer] world".
US prosecutors say Miss LaRose, who is also known as Fatima Rose, and five collaborators believed that her appearance and American citizenship would help her "blend in" while carrying out her plans.