USAA Preferred Cash Rewards
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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
Earn a $250 cash reward bonus after spending $1,000 in qualifying purchases within 90 days of account opening.
Earning Rates
Earning rates
1- 1.5%everything else
Flat 1.5% cash back on all purchases — no categories to track, no enrollment, no quarterly activation, no caps
Statement credits
1- Flexible redemption
Flexible redemption: redeem as a statement credit, electronic deposit to an eligible USAA bank account, toward travel, for gift cards, merchandise, or charitable contributions
Perks & memberships
2- Card networkIssued on the Visa Signature network (despite some legacy references calling it a Mastercard, USAA issues this as a Visa Signature product per usaa.com, U.S. News, NerdWallet, and FinanceBuzz)
- No foreign feesNo foreign transaction fees — earn the same 1.5% on international purchases
Travel & purchase protections
2- Visa Signature benefits: auto rental CDW (secondary U.S., primary abroad), travel accident insurance, trip cancellation / interruption protection, baggage delay reimbursement, Visa Signature Luxury Hotel Collection
- Zero-liability fraud protection on unauthorized transactions
More benefits & fine print (2)ShowHide
- Membership-gated: must be a USAA member to apply. USAA membership is restricted to current and former U.S. military servicemembers, their spouses, and their dependents
- Cash rewards never expire as long as the account remains open and in good standing
How we verified this card (4 sources)ShowHide
Spotted something off? Report an issue. Read our verification methodology.
How to Earn the Bonus
Spend $1,000 in the first 3 months to earn the $250 cash bonus bonus.
See the Current Offer
Earn $250 cash bonus
View OfferAffiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
