USAA Preferred Cash Rewards Visa Signature: Simple Cash Back on All Your Purchases

The USAA Preferred Cash Rewards Visa Signature® is a cash rewards card that includes the military benefits and expertise that USAA is known for providing its members,. This is a terrifc card for servicemembers and their families. (See also: Best Cards for Military Families)

Why We Like This Card

  • Unlimited 1.5% cash back on all purchases
  • Military benefits

How This Card Works

This card awards 1.5% cash back for all purchases. You can earn an unlimited amount of cash back, which does not expire, and redeem your cash back at any time, in increments of $1.00. (See also: Best Cards with Flat Rate Rewards)

Other Benefits

Extended warranty. This card includes warranty protection which extends the manufacturer or U.S. store brand warranty for up to one year.

Military benefits. USAA is well known for providing special benefits for military personnel and their family members. These benefits include lower APRs for deployment and PCS for up to 12 months and 4% APR on existing balances for a year after completing active duty service.

USAA MemberShop. As a cardmember, you can shop online through USAA’s MemberShop center and earn extra rewards for your purchases, in addition to your 1.5% cash back. MemberShop includes hundreds of popular retailers who also periodically offer special savings and discount opportunities.


  • $0 Annual Fee
  • 12.90%-26.90% Variable APR
  • 3% Balance Transfer Fee (Up to $200 maximum fee)
  • $0 Foreign Transaction Fee


No bonus categories. Although a flat rate of rewards can be convenient, there are cards available that offer higher cash back for particular types of purchases. If the majority of your spending falls into everyday type categories like gas or groceries, you could earn more cash back with other credit cards. For travelers, there are rewards programs that could allow you to earn enough for free flights, hotel stays, or other types of travel purchases. (See also: Best Credit Cards for Travel Rewards)

Who This Card Is Best For

The USAA Preferred Cash Rewards Visa Signature® is best for military personnel and their family members whose spending doesn’t fall within specific spending categories which might earn more with other rewards programs. As with other USAA products, it is important to note that you do need to qualify for membership as either a military servicemember or as a spouse or dependent of a servicemember.

Click here to learn more and apply for the USAA Preferred Cash Rewards Visa Signature® today!