USAA Preferred Cash Rewards Credit Card
USAA Preferred Cash Rewards Credit Card
Intro Offer:
Get a 0% intro APR for 15 months on purchases, then 17.15% - 31.15% variable regular APR.
Intro Offer:
Get a 0% intro APR for 15 months on purchases, then 17.15% - 31.15% variable regular APR.
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
APR on Purchases
0% intro APR for 15 months, 17.15% - 31.15% variable APR after that
Balance Transfer
APR: 17.15% - 31.15% variable
Balance Transfer Fee
Rewards
Earn unlimited 1.5% cash back on purchases, no category restrictions, no caps on cash back.
Cash back rewards never expire.
Redeem cash back your way, on your schedule.
USAA Preferred Cash Rewards Credit Card's Additional Info
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.
Intro Offer: Get a 0% intro APR for 15 months on purchases. After this time, the variable regular APR of 17.15% to 31.15% will apply to these introductory balances.
A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies.
No annual fee.
No foreign transaction fees.
See Rates and Fees for details.
cash advance fee | 5% |
cash advance APR | 17.15% - 31.15% variable |
foreign transaction fee | 0% |
smart chip | Yes, chip-and-signature |
max late fee | $35 |
max overlimit fee | $0 |
max penalty APR | None |
grace period | 25 days |
Editor's ReviewFact checked
USAA Preferred Cash Rewards Credit Card Pros & Cons
1.5% cash back
No annual fee
No foreign transaction fees
No initial rewards bonus
No intro APR on balance transfers
Balance transfer fee
Requires good/excellent credit
Compare The USAA Preferred Cash Rewards Credit Card vs. Popular Alternatives
annual fee$0 | annual fee$0 | annual fee$0 |
Purchase Intro APR0% for 15 months | Purchase Intro APR0% for 15 months | Purchase Intro APR0% for 15 months |
transfer intro aprNot Offered | transfer intro apr0% for 15 months|Transfer Fee: 3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time | transfer intro apr0% for 15 months|Transfer Fee: 3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time |
Regular APR17.15% - 31.15% variable | Regular APR19.99% - 29.99% (V) | Regular APR19.99% - 29.99% (V) |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Sponsored Apply Now | Sponsored Apply Now | Sponsored Apply Now |
Questions & Answers
Can't find what you are looking for? Submit your question about USAA Preferred Cash Rewards Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
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What's the USAA Preferred Cash Rewards credit card credit score requirement?
The USAA Preferred Cash Rewards Credit Card credit score requirement is 700 or better. That means people with good credit or better have a shot at getting approved for the USAA Preferred Cash Rewards Credit Card.
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the USAA Preferred Cash Rewards Credit Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment...
What's my credit limit when opening account?
How does the USAA Cash Rewards Visa travel insurance work?
If you use the USAA Cash Rewards Visa to pay for your travel expenditures, you are automatically eligible for the following benefits:
- Travel & Emergency Assistance Services
- Travel Accident insurance
- Lost Luggage Reimbursement
- Auto Rental Collision Damage Waiver
- Roadside Dispatch (service fee may apply)
- 24-Hour Concierge and Emergency Card Services
You can learn more about your travel insurance benefits here.
Can I use my USAA Preferred Cash Rewards card anywhere?
Yes, you can use your USAA Preferred Cash Rewards Credit Card anywhere. It's a Visa Signature, and those are good anywhere in the U.S. and abroad.
More specifically, you can use this card at 10.7 million merchants' locations in the U.S. alone, as well as in more than 200 other countries and territories.
Having said that, it is also worth noting that the USAA Preferred Cash Rewards Credit Card comes with 0% foreign transaction fees. This means you won't get charged extra while using your card abroad, or making purchases...
Does the USAA Cash Rewards card offer extended warranty for my purchases?
The USAA Card Rewards card doubles the original manufacturer warranty up to 12 months on most items you purchase. The maximum benefit for repair or replacement will not exceed $10,000.
How much is the USAA Preferred Cash Rewards foreign transaction fee?
The USAA Preferred Cash Rewards card doesn't have a foreign transaction fee.
How does the USAA Preferred Cash Rewards Card rental car insurance work?
The USAA Preferred Cash Rewards Credit Card rental car insurance covers theft, damage, administrative fees, and more. Cardholders are covered up to the actual cash value of most rented cars. To get the coverage, a cardholder must decline the rental agency's insurance and pay for the rental entirely with the USAA Preferred Cash Rewards Credit Card or rewards.
Key Things to Know About the USAA Preferred Cash Rewards Credit Card Rental Car Insurance
- Coverage Amount.
Up to the actual cash value of most rented cars. - ...
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