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Best USAA Credit Cards

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by Sean Bryant | Updated Mar. 27, 2019

Overview of the Best USAA Credit Cards

USAA offers many different credit cards to current and retired military personnel. Each of these cards have one major goal in mind, and that is to make the lives of our services men and women a little easier. Everything from reduced interest rates to earning rewards on military base purchases show these men and women we appreciate everything they do. To help make the process of selecting a card a little easier, we have analyzed each USAA credit card to find the best cards for individuals based on their spending habits and reward preferences. See More



Best USAA Credit Card for Cash Back

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  • Earn 1.5% cash back on every purchase with no limits or category restrictions
  • Pay no annual fee, no penalty APR and no foreign transaction fees
  • USAA membership is available to active and former military and their eligible family members

Annual Fee

$0

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

14.15% - 28.15% Variable

Benefits

If you are part of a military family and currently thinking about getting a new cash back credit card, make sure to consider USAA® Preferred Cash Rewards Visa Signature® Card. This card will allow you to earn an unlimited 1.5% cash back on every purchase.

What is really great about this card is that it caters to past and present military. When you are on deployment or PCA, you will receive a 4% APR for 12 months on any current balance. Once the 12-month period is complete the APR will change to 14.15% - 28.15% Variable.  

The card also comes with a special SCRA APR. When you enter into active duty and your account has a balance, you will receive a 4% APR until one year after your active duty is complete. In addition to both of these great benefits, USAA will also refund all finance charges you might accrue during a qualified military campaign.

Things to Consider

USAA® Preferred Cash Rewards Visa Signature® Card is great because it offers a flat cash back option. Unfortunately, this card will not come with a sign-up bonus like other cash back cards do.

Verdict

If you are active military or a veteran, then USAA® Preferred Cash Rewards Visa Signature® Card is a great option. You will receive special rates during active duty and while you are on deployment. Plus, there is no annual fee.

Methodology SmartAsset has developed a quantitative and independent system for evaluating the relative value of a credit card offer versus other offers in the marketplace. Our system evaluates cards based exclusively on their features, such as their rewards earning rate (if applicable), fees, perks, and rewards program redemption options. The annual rewards values on this page are calculated using annual spending assumptions in various categories such as, but not limited to, gas, restaurants, airfare, and US supermarkets. These spending assumptions are built on research that SmartAsset has conducted on existing cash back credit cardholders. Our promise with our credit card recommendations is that we will always strive to have the most comprehensive, accurate, and objective method of evaluating credit card offers. Any recommendations are solely determined by the result of this research and model, and is never influenced by any fees, commissions, or other forms of compensation that SmartAsset may receive from credit card issuers for leads generated on our website.

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