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. 

Very good credit. This card is for people with very good credit. You need a credit score of at least 740 to apply.

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.

Is there a USAA Preferred Cash Rewards Visa Signature® Credit Card cash back or 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.

USAA Preferred Cash Rewards Visa Signature® Credit Card Rewards

Rewards rate (all purchases)	1.5%
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A

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
• 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?

USAA Preferred Cash Rewards Visa Signature® Credit Card has a variable purchase APR that ranges from 13.4% up to 27.4%. The card has a variable balance transfer APR that ranges from 13.90% up to 27.90%.

It also has a variable cash advance APR that ranges from 13.4% up to 27.4%.

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

No Annual Fee. USAA Preferred Cash Rewards Visa Signature® Credit Card does not charge an annual fee. No 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.

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

USAA Preferred Cash Rewards Visa Signature® Credit Card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	0%
Balance Transfer Fee	3%
Returned Payment Fee	$35
Late Payment Fee	$35

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 and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

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

• Visit the USAA website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
• 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.