Last Updated: 05/14/2026
USAA Preferred Cash Rewards Credit Card
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Last Updated: 05/14/2026
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Highlights
Purchase APR (Variable APR)
16.15% - 28.15%(Verified 02/18/2025)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
16.15% - 28.15%(Verified 02/18/2025)
Disclaimer popup with additional information
Credit Score Range
680 - 850
Annual Fee
$0
USAA Preferred Cash Rewards Credit Card Review
This is a cashback credit card issued by USAA Federal Savings Bank. If you're wondering whether USAA Preferred Cash Rewards Credit Card is the right card for you, read on.
Key Takeaways
- Earn unlimited 1.5% cash back on purchases, no category restrictions, no caps on cash back.
- 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.
- Terms and Restrictions apply. See the Guide to Benefits and Reward Terms and Conditions on USAA’s website for details. See Rates and Fees for details.
- Earn a $200 reward bonus when you spend $1,000 on qualifying purchases within 90 days of account opening.
- APRs: USAA Preferred Cash Rewards Credit Card has a variable regular purchase APR that ranges from 16.15% up to 28.15%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- A 5% balance transfer fee. USAA Preferred Cash Rewards Credit Card charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of USAA Preferred Cash Rewards Credit Card
| The Good | The Bad |
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USAA Preferred Cash Rewards Credit Card FAQ
Does USAA Preferred Cash Rewards Credit Card have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1.5 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does USAA Preferred Cash Rewards Credit Card have a signup bonus?
Yes. Earn a $200 reward bonus when you spend $1,000 on qualifying purchases within 90 days of account opening.
Does USAA Preferred Cash Rewards Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the USAA Preferred Cash Rewards Credit Card benefits?
USAA Preferred Cash Rewards 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
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for USAA Preferred Cash Rewards Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.USAA Preferred Cash Rewards Credit Card has a variable purchase APR that ranges from 16.15% up to 28.15%. The card has a variable balance transfer APR that ranges from 16.15% up to 28.15%. It also has a variable cash advance APR that ranges from 16.15% up to 28.15%.
Does USAA Preferred Cash Rewards Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does USAA Preferred Cash Rewards Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for USAA Preferred Cash Rewards Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does USAA Preferred Cash Rewards Credit Card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for USAA Preferred Cash Rewards Credit Card?
The customer service number for USAA Preferred Cash Rewards Credit Card is (800) 531-8722.
What is the support contact email for USAA Preferred Cash Rewards Credit Card?
The support contact email for USAA Preferred Cash Rewards Credit Card is info@usaa.com.
How do people rate the customer service and user experience of USAA Preferred Cash Rewards Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does USAA Preferred Cash Rewards Credit Card report your account activity to credit bureaus?
Yes, USAA Preferred Cash Rewards Credit Card reports to the following credit bureaus:
- 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 may help build your credit.
Does USAA Federal Savings Bank perform a hard credit pull?
Yes, USAA Preferred Cash Rewards Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for USAA Preferred Cash Rewards Credit Card
- Visit the website of USAA Preferred Cash Rewards Credit Card.
- 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 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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from USAA Preferred Cash Rewards Credit Card
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Other Credit Cards from USAA Federal Savings Bank
Purchase APR
14.90% - 30.90%
Disclaimer popup with additional information
Balance Transfer APR
14.90% - 30.90%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
14.90% - 30.90%
Disclaimer popup with additional information
Balance Transfer APR
14.90% - 30.90%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
19.15% - 27.40%
Disclaimer popup with additional information
Balance Transfer APR
19.15% - 27.40%
Disclaimer popup with additional information
Credit Score Range
680 - 850
300
850
Annual Fee
$95
Rating not yet determined
Purchase APR
11.15% - 25.15%
Disclaimer popup with additional information
Balance Transfer APR
11.15% - 25.15%
Disclaimer popup with additional information
Credit Score Range
680 - 850
300
850
Annual Fee
$0
Purchase APR
16.90% - 30.90%
Disclaimer popup with additional information
Balance Transfer APR
16.90% - 30.90%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
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USAA Preferred Cash Rewards Credit Card Community Reviews
Would you recommend USAA Preferred Cash Rewards Credit Card to your friends?
OE
O E.
Sep 26, 2022
May or may not recommend
The card has rewards on all purchases and is a low-maintenance cashback card as no annual fee is charged.
Showing 1 of 1 reviews
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