USAA Preferred Cash Rewards Credit Card
37 Reviews
Rewards rate
1.5%
Cash back
Annual fee
None
Welcome bonus
$200
Additional rates and fees
Annual fee
None
Intro purchase APR
N/A
Regular purchase APR
15.40% to 27.40% variable regular APR
Intro balance transfer APR
0% Intro APR for 15 months on balance transfers, then 15.40% to 27.40%.
Regular balance transfer APR
15.40% to 27.40% variable regular APR
Cash advance APR
15.40% to 27.40% variable regular APR
Cash advance fee
5% of the amount of each Cash Advance. Fee waived when transferring funds electronically to your USAA Federal Savings Bank deposit account.
Late fee
Up to $35
Penalty APR
None
Balance transfer fee
5% of the amount of each balance transfer.
Foreign transaction fee
None
Return payment fee
Up to $35
* See the online provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Continue" button, you can review the credit card terms and conditions on the provider's website.
Card details
- 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: Earn a $200 reward bonus after spending $1,000 on qualifying purchases within 90 days of account opening.
- Get a 0% Intro APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening. After this time, the variable regular APR of 15.40% to 27.40% will apply to introductory balances.
- A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies. If you transfer a balance or write a convenience check to take advantage of the introductory rate offer, you will immediately incur interest on purchases until you pay your balance in full, including any transferred balances.
- Earn unlimited 1.5% cash back on purchases, no category restrictions and no caps.
- No annual fee.
- Cash back rewards never expire.
- Redeem cash back your way, on your schedule.
- No foreign transaction fees.
- 15.40% to 27.40% variable regular APR.
- Terms and Restrictions apply. See the Reward Terms and Conditions on USAA's website for details.
- See Rates and Fees for details.