USAA Preferred Cash Rewards Visa Signature® review

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Advertiser Disclosure

Interest Rate: Purchases
14.15% ‐ 28.15%
Balance Transfer
14.15% ‐ 28.15%
Rewards
1.5% cashback
Signup Bonus
-


6.6/10
Informr score
The USAA Preferred Cash Rewards Visa Signature® currently has an Informr score of 6.6 out of 10. This score is based on our evaluation of 8 sources including reviews from users and the web's most trusted critics.

Am I eligible?


USAA Preferred Cash Rewards Visa Signature® is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


CreditCards.com

The USAA Preferred Cash Rewards Visa Signature Card offers a high flat rate of 1.5 percent cash back, but, with no sign-up bonus, there isn’t much to distinguish it from the rabble of cards with similar 1.5 percent rewards rates.

- Kelly Dilworth, CreditCards.com
WalletHub

If you're looking for a simple yet rewarding cash back credit card with no annual fee, and you're eligible for USAA membership, this card is a good choice. Offering 1.5% cash back on all purchases, the USAA Preferred Visa is nearly 50% more generous than the average cash rewards credit card. And its...

- John S Kiernan, WalletHub
Finder

If you’re affiliated with the military and looking for a card that gives you unlimited 1.5% cash back, the USAA Preferred Cash Rewards Visa Signature® Card could be for you. 

- Finder
Credit Cards Explained

The USAA Preferred Cash Rewards Visa Signature is designed for those who want a simple cash back program without paying an annual fee. However, you also need to be a member of USAA to take advantage of this credit card.

- Miranda Marquit, Credit Cards Explained
Wise Bread

Best for military personnel and their family members whose spending doesn’t fall within specific spending categories which might earn more with other rewards programs.

- Christina Majaski, Wise Bread

Details


Interest Rates
Regular APR Interest Rate 14.15% ‐ 28.15%

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 14.15% ‐ 28.15%

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 14.15% ‐ 28.15%

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 3%

Maximum of $200

Cash Advance Fee 3%

Maximum of $200

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $35.00

Maximum

Promotions
Sign up bonus No
Rewards
All Purchases 1.5% cash back
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service Yes
Price Protection Yes
Fraud Protection Yes
Free Credit Scores No
Wireless Payments Apple Pay, Samsung Pay, Android Pay
Additional Benefits
  • Emergency Travel Assistance
  • Baggage Delay
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
Suggest a correction

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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


CreditCards.com

A pretty good card for some cardholders

from CreditCards.com

The USAA Preferred Cash Rewards Visa Signature Card offers a high flat rate of 1.5 percent cash back, but, with no sign-up bonus, there isn’t much to distinguish it from the rabble of cards with similar 1.5 percent rewards rates.

Read full review

The USAA Preferred Cash Rewards Visa Signature Card offers a high flat rate of 1.5 percent cash back, but, with no sign-up bonus, there isn’t much to distinguish it from the rabble of cards with similar 1.5 percent rewards rates.

Read full review

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WalletHub

Offers a lot to like

from WalletHub

If you're looking for a simple yet rewarding cash back credit card with no annual fee, and you're eligible for USAA membership, this card is a good choice. Offering 1.5% cash back on all purchases, the USAA Preferred Visa is nearly 50% more generous than the average cash rewards credit card. And...More

If you're looking for a simple yet rewarding cash back credit card with no annual fee, and you're eligible for USAA membership, this card is a good choice. Offering 1.5% cash back on all purchases, the USAA Preferred Visa is nearly 50% more generous than the average cash rewards credit card. And its lack of an annual fee makes it roughly $16 per year cheaper than the average credit card overall.

Read full review

Less

Finder

Easy, unlimited 1.5% cash back

If you’re affiliated with the military and looking for a card that gives you unlimited 1.5% cash back, the USAA Preferred Cash Rewards Visa Signature® Card could be for you. 

Read full review

If you’re affiliated with the military and looking for a card that gives you unlimited 1.5% cash back, the USAA Preferred Cash Rewards Visa Signature® Card could be for you. 

Read full review

Less

Credit Cards Explained

A straightforward cash back credit card

from Credit Cards Explained

The USAA Preferred Cash Rewards Visa Signature is designed for those who want a simple cash back program without paying an annual fee. However, you also need to be a member of USAA to take advantage of this credit card.

Read full review

The USAA Preferred Cash Rewards Visa Signature is designed for those who want a simple cash back program without paying an annual fee. However, you also need to be a member of USAA to take advantage of this credit card.

Read full review

Less

Wise Bread

Simple cash back on all your purchases

from Wise Bread

Best for military personnel and their family members whose spending doesn’t fall within specific spending categories which might earn more with other rewards programs.

Read full review

Best for military personnel and their family members whose spending doesn’t fall within specific spending categories which might earn more with other rewards programs.

Read full review

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SmartAsset

A solid cash-back option without the hassle

USAA members who are looking for a straightforward cash back card could do worse than the USAA Preferred Cash Rewards Visa Signature. The card offers competitive 1.5% cash back on all purchase categories. Your cash is redeemable whenever you want to access it.

Read full review

USAA members who are looking for a straightforward cash back card could do worse than the USAA Preferred Cash Rewards Visa Signature. The card offers competitive 1.5% cash back on all purchase categories. Your cash is redeemable whenever you want to access it.

Read full review

Less

Bankrate

A solid rewards card for active duty military members

from Bankrate

For active duty military service members who carry a balance, the USAA Preferred Cash Rewards Visa Signature could prove a financial life preserver. The reason? The APR on all balances, for up to a year during deployment or permanent change of station, drops to just 4% – a sizable difference f...More

For active duty military service members who carry a balance, the USAA Preferred Cash Rewards Visa Signature could prove a financial life preserver. The reason? The APR on all balances, for up to a year during deployment or permanent change of station, drops to just 4% – a sizable difference from the standard variable APR of 13.15% to 27.15% based on creditworthiness.

Read full review

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MyBankTracker

A simple rewards program with the great military benefits

from MyBankTracker

USAA Preferred Cash Rewards® VISA Signature® is a solid pick if you want hassle-free cash back rewards with no annual fee. The extra benefits afforded to military members also makes it a preferred choice over a traditional rewards credit card.

Read full review

USAA Preferred Cash Rewards® VISA Signature® is a solid pick if you want hassle-free cash back rewards with no annual fee. The extra benefits afforded to military members also makes it a preferred choice over a traditional rewards credit card.

Read full review

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User Reviews


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