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  USAA Preferred Cash Rewards Visa Signature® Credit Card

USAA Preferred Cash Rewards Visa Signature® Credit Card

in Personal Credit Cards from USAA

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USAA Preferred Cash Rewards Visa Signature® Credit Card

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in Personal Credit Cards from USAA

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Highlights
Highlights
Purchase APR  (Variable APR) 11.9% - 25.9%
Balance Transfer APR  (Variable APR) 11.9% - 25.9%
Credit Score Range 740 - 850
Annual Fee $0

USAA Preferred Cash Rewards Visa Signature® Credit Card Review

USAA Preferred Cash Rewards Visa Signature® Credit Card is a cashback credit card issued by USAA. If you're wondering whether USAA Preferred Cash Rewards Visa Signature® Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

  • Competitive APRs. USAA Preferred Cash Rewards Visa Signature® Credit Card has a variable purchase APR that ranges from 11.9% up to 25.9%.
  • No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. USAA Preferred Cash Rewards Visa Signature® Credit Card charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees.
  • $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, price protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
  • Very good credit required. Applicants will typically need a credit score of at least 740 to qualify.

USAA Preferred Cash Rewards Visa Signature® Credit Card Pros and Cons:

The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty and price protection on purchases.
  • Free access to your credit score.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • No foreign transaction fee.
  • Earn rewards on every purchase.
  • USAA Preferred Cash Rewards Visa Signature® Credit Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a 3% balance transfer fee.

Is there a USAA Preferred Cash Rewards Visa Signature® Credit Card cash back or rewards program?

No, USAA Preferred Cash Rewards Visa Signature® Credit Card does not offer a rewards program. USAA Preferred Cash Rewards Visa Signature® Credit Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. With USAA Preferred Cash Rewards Visa Signature® Credit Card you receive 1.5% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $15 back in cash.

What are the USAA Preferred Cash Rewards Visa Signature® Credit Card benefits?

USAA Preferred Cash Rewards Visa Signature® Credit Card provides the following benefits:

  • Free Credit Score
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Trip Cancellation Insurance
  • Zero fraud liability
  • Price Protection
  • Travel Accident Insurance
  • Travel Assistance
  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for USAA Preferred Cash Rewards Visa Signature® Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. USAA Preferred Cash Rewards Visa Signature® Credit Card has lower than average purchase APRs.

USAA Preferred Cash Rewards Visa Signature® Credit Card has a variable purchase APR that ranges from 11.9% up to 25.9%. The card has a variable balance transfer APR that ranges from 11.9% up to 25.9%. It also has a variable cash advance APR that ranges from 11.9% up to 25.9%.

Does USAA Preferred Cash Rewards Visa Signature® Credit Card have an introductory APR offer on balance transfers?

No, USAA Preferred Cash Rewards Visa Signature® Credit Card does not come with an introductory APR offer for balance transfers.

Does USAA Preferred Cash Rewards Visa Signature® Credit Card have an introductory APR offer on new purchases?

USAA Preferred Cash Rewards Visa Signature® Credit Card does not offer an introductory rate on new purchases.
USAA Preferred Cash Rewards Visa Signature® Credit Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for USAA Preferred Cash Rewards Visa Signature® Credit Card?

The following fees apply to USAA Preferred Cash Rewards Visa Signature® Credit Card:

  • There is no overlimit fee
USAA Preferred Cash Rewards Visa Signature® Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee $35
Late Payment Fee $35

Does USAA Preferred Cash Rewards Visa Signature® Credit Card have a foreign transaction fee?

USAA Preferred Cash Rewards Visa Signature® Credit Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

Does USAA Preferred Cash Rewards Visa Signature® Credit Card report your account activity to credit bureaus?

USAA Preferred Cash Rewards Visa Signature® Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

How to apply for USAA Preferred Cash Rewards Visa Signature® Credit Card

  • Visit the USAA Preferred Cash Rewards Visa Signature® Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Message From USAA

Earn 1.5% cash back on your everyday purchases. Redeem your cash rewards anytime using your mobile device or computer. There's no limit on the amount you can earn. Enjoy no foreign transaction fees when you travel outside of the United States. Specia

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Every Purchase (Points) Unlimited 1.5% cash back on all purchases
Foreign Currency Transaction Fee 0%
No Annual Fee  
No Foreign Transaction Fee  
Annual Fee $0
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee (%) 3%
Returned Payment Fee $35
Late Fee Amount $35
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 740 - 850
Card Type Cashback
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Flight Insurance  
Travel Insurance  
Fraud Liability  
Extended Warranty  
Car Rental Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
  • Price Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Trip Cancellation Insurance
Rewards Categories Every Purchase
Rewards Type Cash Back
Cash Advance APR (Variable APR) 11.9% - 25.9%
Balance Computation Average daily balance (including new purchases)
Purchase APR (Variable APR) 11.9% - 25.9%
Balance Transfer APR (Variable APR) 11.9% - 25.9%
Balance Transfer Fee % 3%

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SUPERMONEY NET RECOMMENDATION SCORE

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