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USAA Preferred Cash Rewards Credit Card
USAA Preferred Cash Rewards Credit Card Review
This card offers a simple cash back rewards program with no limits on the amount of rewards you can earn. If you're looking hassle-free card from USAA 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.
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USAA Preferred Cash Rewards Credit Card
SIGN-UP BONUS
Intro Offer: Earn a $200 reward bonus when you spend $1,000 on qualifying purchases within 90 days of account opening.
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.
Intro APR
N/A
Annual Fee
$0
Card Brand
Visa®
Recommended Credit Score
Good / ExcellentHighlights
- 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.
- Earn unlimited 1.5% cash back on purchases, no category restrictions, no caps on cash back.
- Intro Offer: Earn a $200 reward bonus when you spend $1,000 on qualifying purchases within 90 days of account opening.
- Auto Deductible Reimbursement (up to $200).
- A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies.
- No annual fee.
- Cash back rewards never expire.
- Redeem cash back your way, on your schedule.
- No foreign transaction fees.
- 16.40% to 28.40% 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.
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 12, 2024
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 rewards program with no limits on the amount of rewards you can earn. If you're looking hassle-free card from USAA 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.
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Intro Balance Transfer APR
0% intro APR for 18 months on Balance Transfers
Regular Purchase & BT APR
18.24% - 28.24% (Variable)
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Welcome Offer
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
Rewards Rate
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Extra Perks
No categories to track or remember and cash rewards don't expire as long as your account remains open.
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Rewards Rate
Unlimited 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
Sign-Up Bonus
Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Intro APR
0% intro on purchases for 15 months, then 19.24% - 29.24% (Variable). 0% intro on balance transfers for 15 months (Balance transfer fee applies), then 19.24% - 29.24% (Variable). Balance transfer fee applies
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