USAA® Preferred Cash Rewards Visa Signature® Card
The USAA® Preferred Cash Rewards Visa Signature® Card is a cash back rewards card for current and former military members and their families. It offers 1.5% cash back on all purchases and a 0% APR on purchases for 15 months, which is great if you’re looking to make a large purchase.
This card offers great travel perks and benefits but there are many other cards out there that earn better rewards. We dive into the details and your approval odds in this USAA Preferred Cash review.
0% on Purchases
1.5% cash back
0% on Balance Transfers
Features & Benefits
|EMV Chip Enabled, Zero Liability, Alerts
|Tap to Pay, Apple Pay, Google Pay, Samsung Pay
|Cell Phone Protection, Extended Warranty Coverage, Purchase Protection, 24/7 customer service
|Auto Rental Collision Damage Waiver, Concierge Services, Emergency Travel Assistance, Luggage Protection, Travel Accident Insurance, Trip Cancellation Insurance
Interest Rates & Fees
|Foreign Transaction Fee
|17.15% to 31.15% (V) APR
|0% Intro APR for 15 months on purchases, then 17.15% to 31.15% (V) APR after that.
Trip Cancellation and Interruption Insurance
Cell Phone Insurance
When you charge your monthly cell phone bill to your USAA credit card, you can be reimbursed up to $500, in the event your eligible cell phone is stolen or damaged.
This benefit is available if you are a valid cardholder of an eligible U.S. issued card enrolled in the Cellular Telephone Protection benefit and you charge your monthly cellular wireless phone bills to your eligible card for the billing cycle before the month in which the incident occurs.
Extends the time period of the U.S. manufacturer’s warranty on items purchased with your card. Get up to an additional year of coverage.
With this protection, you can extend an original manufacturer’s warranty of three years or less, up to one additional year. Plus, no more hunting through your file drawers for warranties and receipts. Simply register your products to keep your information handy.
Safeguard your new item against theft or damage for the first 90 days from the date of purchase with Purchase Security available when you pay with your eligible account.
Purchase Security protects new retail purchases made with your eligible credit card and/or rewards program associated with your covered credit card within the first 90 days from the date of purchase. This benefit replaces, repairs, or reimburses you up to $1,000 per claim and $10,000 per cardholder in the event of theft or damage.
Lost Baggage Insurance
If your checked baggage is delayed, you can be reimbursed up to $100 a day, for up to three days. Get the essentials you need such as clothing or toiletries while waiting for your baggage to arrive.
You may be reimbursed for the essential items you buy when your baggage is delayed for four or more hours. Covered items include toiletries, clothing and device chargers. To be eligible, pay for your passenger fare with your credit card and report delayed baggage to your travel supplier.
What Credit Score Is Required to Get the USAA® Preferred Cash Rewards Visa Signature® Card
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
Pros & Cons
- No annual fee
- No foreign transaction fee
- 1.5% cash back on all purchases
- No welcome bonus
- High APR
What Are the Best Alternatives?
Wells Fargo Active Cash® Card
Alliant Cashback Visa® Signature Credit Card
Chase Freedom Unlimited®
1.5% - 5%