Preferred Cash Rewards Visa Signature®

Apply now
  • Earn 1.5% cash back on your everyday purchases.
  • Redeem your cash rewards anytime using your mobile device or computer
  • There's no limit on the amount you can earn.                                                                           
  • Enjoy no foreign transaction fees when you travel outside of the United States.
Annual Fee:
$0
Purchase Intro APR:
N/A
Purchase Regular APR:
12.40% - 26.40%*
Variable
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
12.40% - 26.40%*
Variable

Details, Rates & Fees

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* 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 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 12.40% - 26.40%* Variable
Cash Advance Fee 3%
Late Fee Up to $35
Penalty APR None
Balance Transfer Fee 3%
Foreign Transaction Fee None
Return Payment Fee Up to $35

Rewards

All Purchases

1.5% cash back per dollar

No cap on spending


Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
andrewm33
by andrewm33

Applied a couple weeks ago. 636 Experian FICO. I actually applied for the basic platinum through my account and they somehow approved me for this with a 2k CL. Maybe it's because i have had a secured card with them for six months with perfect payment history. Really grateful to USAA for helping me with my credit rebuild. 

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
Frustrated123456
Rewards Visa Card
by Frustrated123456
Helpful to 3 out of 3

In credit disputes they require documentation mentioned nowhere in the card literature or on the USAA website.  I am a 40+ year USAA membership and the service keeps going down and down and today it bottomed out.  To avoid further charges since the dispute process requires hidden documentation I determined to cancel the card.  This the representative Ally could not do and she would not transfer me to the "cencellation team" since wait times were in excess of her limits.  I could only to a call back which would take 1 to 2 business days.  Could I talk to her supervisor - no this also requires a call back of undetermined tiime.  Could I talk to the disputes team - no and the callback was 4 to 5 business days.  Worst customer service ever.


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† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from September 2016 through February 2017. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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