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 for | Category Winner | Annual Fee | First Year Rewards | |
|---|---|---|---|---|
 | Cash back | USAA Preferred Cash Rewards Visa Signature Card | $0 | $280 |
Best USAA Credit Card for Cash Back
USAA Preferred Cash Rewards Visa Signature Card
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.
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 on the existing balance for the remainder of your qualified period of active duty.
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 help from USAA during active duty and while you are on deployment. Plus, there is no annual fee.
- Earn 1.5% cash back on all purchases
- Special 4% APR on your existing balance for the remainder of your qualified period of active duty
- No annual fee
- No opportunity to earn a sign-up bonus
- No bonus cash back for spending within categories
More Details
- Earn an unlimited 1.5% cash back on your purchases with no category restrictions
- There is no annual fee, no penalty APR, and there are no foreign transaction fees when you travel
- To be eligible for USAA card membership you must be a current or former member of the military, or an eligible family member
Annual Fee
$0Purchase Intro APR
N/ABalance Transfer Intro APR
N/ARegular APR
11.90% - 25.90% VariableBenefits
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.
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 on the existing balance for the remainder of your qualified period of active duty.
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 help from USAA 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.
