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Preferred Cash Rewards Visa® Signature from USAA Bank Review

Preferred Cash Rewards Visa® Signature from USAA Bank — all information about the credit card.

Updated December 05, 2023
Advertiser Disclosure Our Methodology
USAA Preferred Cash Rewards Visa Signature®
Apply now
Our Rating:
3.86 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.5% Cash Back on all qualifying purchases.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    0% Intro APR for 15 months on purchases
  • Regular APR:
    17.15% - 31.15% Variable
  • Balance Transfer APR:
    17.15% - 31.15% Variable
Show more

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USAA Bank Preferred Cash Rewards Visa® Signature Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
1.5%
All purchases
$
Calculate
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All benefits

  • Cash back
    • 1.5% On all qualifying purchases.
  • Travel
    • Auto Rental Coverage:
    • Rental car insurance protects you against the cost of damages that may occur when renting a vehicle.
    • Travel Accident Insurance:
    • Travel accident insurance is a specialized type of travel insurance plan. Essentially, it acts as life insurance and insurance against accidental death and dismemberment in the case of a travel accident.
    • Trip Cancellation and Interruption Coverage:
    • Trip Cancellation Insurance will reimburse you for the amount of pre-paid, non-refundable travel expenses (e.g. airline, cruise, train, hotel, etc.).
    • Baggage Delay and Reimbursement:
    • Baggage Delay provides reimbursement for the purchase of clothing, toiletries, and other essential items if a traveler's luggage is delayed for a specified period of time.

Rate and fee information

  • Purchase Intro APR
    • 0% Intro APR for 15 months on purchases
  • Purchase APR
    • 17.15% - 31.15% Variable
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • 17.15% - 31.15% Variable
  • APR for Cash Advances
    • 17.15% - 31.15% Variable
  • How to Avoid Paying Interest
    • Your due date is at least 25 days after the close of each billing cycle. You will not be charged interest on Purchases if you pay your entire balance by the due date each month.

Fees

  • Annual Fee
    • $0
  • Fees for Balance Transfer
    • 3% of the amount of each Balance Transfer
  • Fees for Cash Advances
    • 3% of the amount of each Cash Advance. Fee waived when transferring funds electronically to a USAA deposit account
  • Penalty Fees
    • None
  • Return Payment
    • Up to $35
  • Late Payment
    • Up to $35
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
  • No Foreign Transaction Fee
  • Intro APR period on purchases
Cons:
  • No Intro APR period on balance transfers

Features

Classic
Visa
  • 0% Intro APR
  • No Annual Fee
  • No foreign transaction fees
  • Cashback
  • Fraud Protection
  • Rewards
  • Purchase Protection
  • Baggage Delay Insurance
  • Trip Cancellation
  • Auto Rental Insurance
  • Good Credit
  • Excellent Credit

About the issuer

USAA Bank
USAA Bank has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

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USAA Bank Preferred Cash Rewards Visa® Signature is an option for those, who need Classic features. With an APR of 17.15% - 31.15% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good to Excellent (670-799) credit score. With USAA Bank Preferred Cash Rewards Visa® Signature you will get such features as 0% Intro APR, No Annual Fee, No foreign transaction fees, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

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