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USAA Preferred Cash Rewards Visa Signature® review

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Advertiser Disclosure

Annual Fee
$0.00
Interest Rate: Purchases
12.15% ‐ 26.15% (Variable)
Interest Rate: Purchases
12.15% ‐ 26.15% (Variable)
Balance Transfer
12.15% ‐ 26.15% (Variable) (0% for the first 15 months)
Balance Transfer
12.15% ‐ 26.15% (Variable) (0% for the first 15 months)
Rewards
1.5% cashback
Rewards
1.5% cashback
Signup Bonus
-
Signup Bonus
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7.4/10
Informr score
The USAA Preferred Cash Rewards Visa Signature® currently has an Informr score of 7.4 out of 10. This score is based on our evaluation of 11 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...


The Balance
The Balance

It is geared toward military members and their families who want a simple, no-fuss cash-back rewards card. However, the card lacks some important features you typically find with other cash-back rewards cards.

- Lindsay Vansomeren, Elisabeth Christophe, The Balance
MyBankTracker
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.

- Rebecca Lake, MyBankTracker
FinanceBuzz
FinanceBuzz

If you’re looking for hassle-free cashback earnings as a USAA member, the USAA Preferred Cash Rewards Visa Signature Card could be a great fit for your needs. Additionally, if you’re a current military member looking at active duty in your future, you might also benefit from the extra-low interest r...

- Brett Holzhauer, FinanceBuzz
WalletHub
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, the USAA® Preferred Cash Rewards Visa Signature® Card is a good choice. Offering 1.5% cash back on all purchases, the USAA Preferred Visa is nearly 50% more generous than t...

- John S Kiernan, WalletHub
Credit Cards Explained
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. If you aren’t eligible, you might look into some of the other cash back credit...

- Miranda Marquit, Credit Cards Explained

Details


Interest Rates
Regular APR Interest Rate 12.15% ‐ 26.15% (Variable)

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

Balance Transfer Interest Rate 12.15% ‐ 26.15% (Variable) (0% for the first 15 months)
  • This APR will vary with the market based on the Prime Rate.
  • Your Balance Transfer or Convenience Check must post to your account within 90 days of account opening for the Introductory APR to apply to the transaction.
Cash Advance Interest Rate 12.15% ‐ 26.15% (Variable)

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

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

Fee waived when transferring funds electronically to a USAA deposit account.

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 No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments Apple Pay, Samsung Pay, Google Pay
Virtual Cards No
Additional Benefits
  • Emergency Travel Assistance
  • Baggage Delay
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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Additional comments -
Terms & Conditions Official Terms & Conditions
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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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