USAA Preferred Cash Rewards Visa Review: 1.5% Cash Back, $0 Fee & $200 Bonus

 Here’s everything you need to know about the USAA Preferred Cash Rewards Visa Credit Card for U.S. members — from unbeatable cash back to travel perks — and why it might be the perfect card for you.

Quick Overview

The USAA Preferred Cash Rewards Visa is a flat-rate cash back card designed for USAA members, including military, veterans, and their families. It offers:

• Unlimited 1.5% cash back on all purchases, no caps or rotating categories
• $0 annual fee
• No foreign transaction fees
• $200 bonus after spending $1,000 in the first 90 days
• APR range: 16.15% to 28.15% variable
• Fees: 5% on balance transfers, cash advances, and convenience checks
• Extra perks: auto deductible reimbursement up to $200, travel insurance, rental car protection, and Visa Signature benefits

It’s a simple, hassle-free cash back card — just use it and earn rewards automatically.

In-Depth Look at Features & Benefits

Rewards & Bonus

Earn a flat 1.5% cash back on all purchases — no tracking categories needed. The $200 welcome bonus gives a quick boost after $1,000 spend in 90 days.

Fees & APR

No annual fee and no foreign transaction fees make it perfect for everyday spending and international travel. APR can be high if you carry a balance, so paying in full maximizes rewards.

Extra Perks

• Auto Deductible Reimbursement: up to $200 for covered losses
• Travel Protections: trip interruption, baggage delay, travel accident coverage
• Visa Signature Perks: concierge service, extended warranty, and more

Potential Drawbacks

• Flat 1.5% cash back is lower than some competitors offering 2%
• No intro 0% APR offers for purchases or balance transfers
• Must be a USAA member

Latest Updates

As of 2025, all key benefits remain: unlimited 1.5% cash back, $0 annual fee, no foreign transaction fees, and a $200 welcome bonus. This card is ideal for those who want consistent, no-fuss rewards.

Direct Link To Offer

“Earn easy cash back with USAA’s Preferred Cash Rewards Visa. No annual fee, simple rewards, travel perks, and a $200 bonus make it ideal for military members and everyday spending.”

Best Cash Back Credit Cards Compared – USAA vs Top Competitors

Here’s how the USAA Preferred Cash Rewards Visa stacks up against other hot cash back cards in 2025 — see which card gives you the biggest rewards for everyday spending.

Card	Key Rewards & Perks	Why It Could Beat USAA	Watch Out For
Wells Fargo Active Cash Card	Unlimited 2% cash back on all purchases, $0 annual fee	Higher flat cash back for every purchase — more money in your pocket	Must have good credit, small spenders see modest gain
Citi Double Cash Card	Earn 2% cash back: 1% when you buy, 1% when you pay	Simple, strong flat return — one card covers it all	No welcome bonus; must pay monthly to get full rewards
Capital One Quicksilver	Unlimited 1.5% cash back, $0 annual fee, no foreign transaction fees	Very similar to USAA — simple, no fees	Smaller welcome bonus, fewer extra perks
Chase Freedom Unlimited	1.5% base + bonus categories like 3% on dining, 5% on travel	Great for bonus-category spend — can outperform USAA’s flat 1.5%	Requires tracking categories; more effort to maximize
Blue Cash Preferred (Amex)	High rewards in groceries, streaming, gas	Can earn big in bonus categories	Annual fee can cut into earnings if you don’t spend enough

Key Takeaways for Maximizing Cash Back

1. Simple flat-rate rewards: USAA delivers 1.5% on everything — perfect if you want “set it and forget it” cash back.
2. Category bonus cards: For dining, groceries, or travel, other cards can outperform USAA.
3. No annual fee & travel perks: USAA keeps your costs low and gives extra value with auto deductible reimbursement and travel protections.
4. Paying in full matters: Always pay your balance each month to maximize rewards. High APRs can erase your cash back.

Why USAA Still Wins for Military Members

• Exclusive to USAA members, including active military and veterans
• No foreign transaction fees — ideal for deployments or travel
• Extra perks like auto deductible reimbursement, rental car coverage, and travel protections
• Easy rewards tracking without juggling multiple cards

Review

The USAA Preferred Cash Rewards Visa is a smart, no-fuss cash back card for USAA members. Its simplicity, zero annual fee, and travel perks make it perfect for everyday spending.

Is it profitable ? Yes — if you pay your balance in full each month, you’ll reliably earn 1.5% cash back plus the $200 bonus. For those seeking category bonuses or higher cash back rates, other cards may offer more, but this card delivers solid rewards with minimal effort.