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USAA Preferred Cash Rewards Credit Card
USAA Preferred Cash Rewards Credit Card Review
This card offers a simple cash back reward program with no limits on the amount of rewards you can earn. If you're looking for a hassle-free card from USAA Federal Savings Bank that offers generous rewards, the USAA Preferred Cash Rewards Credit Card is the one for you.
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
USAA Preferred Cash Rewards Credit Card
SIGN-UP BONUS
Limited Time Offer: Cash back match - earn 3% in your first year on the first $15,000 in purchases. After that, earn unlimited 1.5% cash back on purchases, no category restrictions and no caps.
REWARDS RATE
1.5% cash back on purchases
Rewards Rate
1.5% cash back on purchases
Eligibility
Must be a USAA® member, or become a member, to apply.
Welcome Offer
Limited Time Offer: Cash back match - earn 3% in your first year on the first $15,000 in purchases. After that, earn unlimited 1.5% cash back on purchases, no category restrictions and no caps.
Annual Fee
$0
Card Brand
Visa®
Recommended Credit Score
Good / ExcellentHighlights
- Click APPLY NOW to apply online.
- Must be a USAA® member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
- Limited Time Offer: Cash back match - earn 3% in your first year on the first $15,000 in purchases. After that, earn unlimited 1.5% cash back on purchases, no category restrictions and no caps.
- Auto Deductible Reimbursement (ADR) up to $200.
- No annual fee.
- Cash back rewards never expire.
- Redeem cash back your way, on your schedule.
- No foreign transaction fees.
- A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies.
- 15.65% to 27.65% variable regular APR.
- Terms and Restrictions apply. See the Reward Terms and Conditions and the ADR Benefit Guide on USAA's website for details.
- See Rates and Fees for details.
- Rates & Fees
Additional Info
Foreign Transaction Fee
None
Balance Transfer Fee
5% of the amount of each balance transfer and convenience check
Expert Review
Editor's Overall Rating
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
From the LendingTree editorial team, updated on Dec 01, 2025
The USAA Preferred Cash Rewards Credit Card is a simple, yet rewarding cash back credit card that gives cardholders the chance to 1.5% cash back on purchases
This card also has a number of other helpful perks like $0 annual fee, no foreign transaction fees, and no penalty rate. New cardholders can also take advantage of N/A.
And since it's a Visa Signature card, you'll have peace of mind knowing that your card will be accepted anywhere in the world that takes Visa.
The Good
- The cash back is unlimited with this card and you don't have to worry about rotating categories. Also, you'll enjoy a long list of Visa Signature perks and benefits.
The Not So Good
- There's no intro APR with this card.
The Bottom Line
This card offers a simple cash back reward program with no limits on the amount of rewards you can earn. If you're looking for a hassle-free card from USAA Federal Savings Bank that offers generous rewards, the USAA Preferred Cash Rewards Credit Card is the one for you.
Editorial Note: This content is not provided by USAA. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by USAA.
Related Card Offers
Apply Now
on Bank of America's secure site
Intro APR
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.74% - 27.74% Variable APR will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
Sign-Up Bonus
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Rewards Rate
6% cash back for the first year in the category of your choice, 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
See Our Review
Apply Now
on Discover's secure site
0% Intro APR
0% Intro APR for 15 months on purchases and balance transfers, then 17.74% - 26.74% Variable APR
Rewards Rate
5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically
Welcome Offer
Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
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Apply Now
on American Express's secure site
Streaming Benefits
Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card for a subscription purchase, including a bundle subscription purchase, at Disneyplus.com, Hulu.com, or Plus.espn.com U.S. websites. Subject to auto-renewal.
Welcome Offer
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Rewards Rate
Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
See Our Review
Methodology
Our editors take a comprehensive, data-driven approach to identify the best credit cards in various categories. We use an objective rating and ranking system that evaluates over 100 credit cards from more than 50 issuers. While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.