Can someone apply for a USAA card if he is not a member or a relative of someone in the armed forces?
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Preferred Cash Rewards Visa Signature® ReviewReviews, rates, fees, and rewards details for The USAA® Preferred Cash Rewards Visa Signature® Card. Compare to other cards and apply online in secondsJohn Kiernan
WalletHubNo membership fees0% intro APR on balance transfersNo foreign feeNo initial rewards bonusNo intro APR on purchasesBalance transfer feeRequires excellent credit
WalletHubNo membership fees0% intro APR on balance transfersNo foreign feeNo initial rewards bonusNo intro APR on purchasesBalance transfer feeRequires excellent creditUSAA® Preferred Cash Rewards Visa Signature® Card
USAA® Preferred Cash Rewards Visa Signature® Card
Info about USAA® Preferred Cash Rewards Visa Signature® Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
RewardsAPRReviewsQ&AContactRewardsAPRWalletHub ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit
Annual Fee
$0
Rewards
Earn 1.5% cash back on every purchase with no limits or category restrictions
APR on Purchases
16.9% - 30.9% (V)
Balance Transfer
0% intro APR for until February 2025, 16.9% - 30.9% (V) APR after that
Balance Transfer Fee
WalletHub Review
by John Kiernan
June 2nd, 2023
USAA® Preferred Cash Rewards Visa Signature® Card Pros & Cons
No membership fees
0% intro APR on balance transfers
No foreign fee
No initial rewards bonus
No intro APR on purchases
Balance transfer fee
Requires excellent credit
USAA® Preferred Cash Rewards Visa Signature® Card's Additional Info
| cash advance fee | 3% |
| cash advance APR | 16.90% - 30.90% (V) |
| foreign transaction fee | 0% |
| smart chip | Yes, chip-and-PIN |
| max late fee | $35 |
| max overlimit fee | $0 |
| max penalty APR | None |
| grace period | 25 days |
USAA membership is available to active and former military and their eligible family members
Your Balance Transfer must post to your account by 10/31/2023 of account opening for the Introductory APR to apply to the transaction.
Security Benefits: Chip card technology has added security when used at a chip-enabled terminal and greater acceptance worldwide. Zero liability coverage for unauthorized transactions if your card is lost or stolen. Collision damage waiver coverage pays for physical damage and theft to most rental vehicles. Get account balances and transaction history by sending a text message. Access your account on usaa.com or from a mobile device.
Travel Benefits: Auto Rental Coverage, Travel Accident Insurance, Trip Cancellation and Interruption Coverage, Baggage Delay and Reimbursement.
Questions & Answers
Can't find what you are looking for? Submit your question about USAA® Preferred Cash Rewards Visa Signature® Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
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What credit score is needed for USAA Preferred Cash Rewards?
7
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WalletHub
The minimum credit score required for the USAA Preferred Cash Rewards Visa Signature credit card is 700, which is good credit.
Such a score doesn't guarantee your approval, though, as the number of delinquencies, hard inquiries, credit card utilization rate and income are important factors USAA Bank will take...
What's my credit limit when opening account?
5
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WalletHub
Unfortunately, there is no way to determine exactly what your credit line will be, as issuers do not disclose the possible range and the decision is ultimately highly personalized. Please let us know if you have any other questions.
Is there a foreign transaction fee?
4
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How does the USAA Cash Rewards Visa travel insurance work?
2
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WalletHub
If you use the USAA Cash Rewards Visa to pay for your travel expenditures, you are automatically eligible for the following benefits:
- Travel & Emergency Assistance Services
- Travel Accident insurance
- Lost Luggage Reimbursement
- Auto Rental Collision Damage Waiver
- Roadside Dispatch (service fee may apply) ...
Can I use my USAA Preferred Cash Rewards card anywhere?
1
UpvoteReply
Ashley Wade
Yes, you can use your USAA® Preferred Cash Rewards Visa Signature® Card anywhere. It's a Visa Signature, and those are good anywhere in the U.S. and abroad.
More specifically, you can use this card at 10.7 million merchants' locations in the U.S. alone, as well as in more than 200 other countries and territories.
Having said that, it is also...
Does the USAA Cash Rewards card offer extended warranty for my purchases?
1
UpvoteReply
Sue Patterson
The USAA Card Rewards card doubles the original manufacturer warranty up to 12 months on most items you purchase. The maximum benefit for repair or replacement will not exceed $10,000.
How much is the USAA Preferred Cash Rewards foreign transaction fee?
1
UpvoteReply
Hector Molina
The USAA Preferred Cash Rewards card doesn't have a foreign transaction fee.
Which credit card offers medical travel insurance for all travel
0
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Does the Preferred Cash Rewards Visa accept foreign applicants?
0
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Valerie Naine
The USAA Preferred Cash Rewards credit card accepts only U.S. citizens or permanent residents of the U.S.
Compare The USAA® Preferred Cash Rewards Visa Signature® Card
Purchase Intro APRNot Offered
Purchase Intro APR0% for 15 months
Purchase Intro APR0% for 15 months
Transfer Intro APR0% until February 2025|Transfer Fee: 3%
Transfer Intro APR0% for 15 months|Transfer Fee: 3%
Transfer Intro APR0% for 15 months|Transfer Fee: 3%
Regular APR16.9% - 30.9% (V)
Regular APR19.74% - 29.74% (V)
Regular APR19.74% - 29.74% (V)
Rewards Rate1.5% Cash Back
Rewards Rate1.5 - 5% Cash Back
Rewards Rate1 - 5% Cash Back
People Also Apply For
USAA® Preferred Cash Rewards Visa Signature® Card Reviews
Share your insights and review the USAA® Preferred Cash Rewards Visa Signature® Card
3.7
252 reviews
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1 Star Rating
Verified CustomerHORRIBLE CARD. Cannot recommend. I have been a USAA member for 27 years. 810 credit score and USAA CL is $1000.00 for 2 years and no change?!?!? Utilization is 5% NO late payments, NO late accounts. NO open loans or mortgage (or I would have an 850)
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Tried to update: HORRIBLE CARD. Cannot recommend. I have been a USAA member for 27 years. 810 credit score and USAA CL is $1000.00 for 2 years and no change?!?!? ZERO balance. Paid off every month. Overall Utilization is 5% NO late payments, NO late accounts. NO Collections. NO open loans or mortgage (or I would have an 850) WILL NOT raise Credit Limit when I call either. WORST CARD EVER. I would have NEVER opened account if I knew it was going to be a measly $1000. I have other cards that are 15K. USAA cares more about running NFL commercials to people who cant even be USAA members than their own members who have been with them 27 YEARS. HORRIBLE!
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5 Star Rating
Verified CustomerA veterans oriented card. Lots of perks for veterans and balance transfers with no interest for at least 12 months or more. Get on their mailing list for balance transfers to get your credit rating going.
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4 Star Rating
I travel about six months a year. I have had this card for decades. The good: their security algorithm is sophisticated. Genuine transactions are almost never declined, even in remote and exotic locales; but it DOES catch the occasional fraudulent charge. No foreign transaction fee. Good customer service. The one negative: poor foreign currency exchange rates.
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2 Star Rating
Verified CustomerI have a secured card and have to pay annual fees. I just got charged again and wanted to switch from the secured to preferred cash rewards card but they will not return my fee paid for the old card and give me a hard credit hit on the new one. USAA is not the greatest as advertised. I kept getting hit on my credit score monthly because I used more than 1/2 of my available credit so the drop my credit score for that too even though I pay the total balance monthly.
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5 Star Rating
Love this card, has alot of features that i really like, The 0 apr for the 6 months is what really attracted me. One other thing that really interested me with this card was the fact that it has really low apr after the initial 0 apr rate for 6 months. Makes it really convenient for me to spend and it not hurt my wallet to hard to charge. Love this card and will continue to use it.
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4 Star Rating
I've been with USAA a long time and have usually used a USAA Mastercard as my primary credit card. Right now this is my everyday card due to the 1.5% rewards. I've typically found USAA's customer service to be good, and they handled a possible fraud situation to my satisfaction. I feel like they care and are willing to help me, so that's good. My main problem with the card is the foreign transaction fee. I travel to Canada pretty regularly and am stung by the 1% fee. My card is a chip card, which I personally see little value in, but all the cards are transferring over to this system so it isn't really a difference at this point. I pay my balance off each month so late fees and APR aren't important to me. I basically look at purchase rewards (good), customer service (good), and foreign transaction fees (not good), so I've enjoyed this card overall.
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Review USAA® Preferred Cash Rewards Visa Signature® Card
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Offer last updated: Jun 2nd, 2023 at 17:56 ET
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PURCHASE INTRO APR
0% for 15 months
TRANSFER INTRO APR
0% for 15 months
REGULAR APR
19.74% - 29.74% (V)
ANNUAL FEE
$0
REWARDS RATE
1.5 - 5% Cash Back
BONUS OFFER
$200
MINIMUM CREDIT