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finder.com’s rating: 4.4 / 5.0
★★★★★
Up to 1.5%
Cash back
$0
Annual fee
11.9% to 25.9%
Purchase APR (variable)
670
Recommended credit score
Review by
Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.
With the USAA® Preferred Cash Rewards Visa Signature® Card you’ll get unlimited cash back on everything you buy. This can be a great choice if you don’t want to keep track of your spending categories.
Also, you’ll get a lower APR for up to 12 months if you’re deployed, in a permanent change of station or you enter active military duty. However, to get the card, you’ll need good to excellent credit and you must be eligible for USAA membership.
Access the USAA Rewards Service Center at the USAA website or call 800-980-USAA (8722) to redeem your cash back.
If you spend $15,000 on purchases annually with your card, you’ll earn $225 cash back.
Compare other USAA credit cards
If you or a family member is in the military, you might benefit from a credit card with perks for service members. Or compare cashback cards with similar features to the USAA® Preferred Cash Rewards Visa Signature® Card.
To apply for the card, you must be a member of the military, a veteran who was honorably discharged or an eligible family member of military personnel. You also must be:
Additionally, you’ll need to provide:
If you’re approved for the card, you can select your card design to show your military affiliation.
You can apply for the card with a good to excellent credit score of 670 or higher. For a lower APR and a higher credit line, make sure to apply with a higher credit score and the income to support any potential debt you take on.
Customers who are happy with the card praise the USAA customer support. They also claim they received relatively high credit line compared to other cards they own.
As of October 2020, USAA earns an A- rating from the Better Business Bureau (BBB), but it’s not yet accredited with the agency. As of this writing, 92% of its reviews are negative and it has over 1,422 customer complaints. USAA customers report unexpected changes to reward balances and a complicated customer service process.
The company earns a Trustpilot score of 1.4 out of 5 as of October 2020. Many negative reviews cite unsympathetic customer service and difficulty getting fraud claims resolved. Positive reviews say customer service is responsive and the bank’s products have strong features.
If you’re affiliated with the military and you want a card with unlimited cash back on all purchases, the USAA® Preferred Cash Rewards Visa Signature® Card could be a decent choice. Also, if you’re deployed, in a permanent change of station or you enter active military duty — you’ll get to enjoy low APR for up to 12 months.
However, if you’re not sure whether this is the right card for you, check out similar credit cards to compare your options and find the best card for your financial needs.