- 1.5% on all purchases
- No annual fee
- Doesn't count toward 5/24
USAA Preferred Cash Rewards
VISAUSAA・Visa・No.071
A dependable no-fee flat-rate card from USAA: simple 1.5% back for the military community that banks there.
✓ Annual fee, APR and foreign-transaction fee checked on 2026-07-16 (source: usaa.com). Welcome offers, rewards and benefits change often; the issuer's site has the current terms.
Reward highlights
- 1.5% flat cash back on all purchases
- No annual fee
- Requires USAA membership (military & families)
Who it's for
Best for USAA members who want an uncomplicated flat-rate cash-back card.
Good for
Key benefits
- 1.5% flat cash back on all purchases
- No annual fee
- Reliable service for the military community
- Reports to all 3 credit bureaus
Rates & fees
APR and fees as published by the issuer. Variable APRs move with the prime rate, so check the issuer's site before applying.
Frequently asked questions
Who can get a USAA card?
USAA membership is limited to the military community, veterans, and their eligible family members.
Is there an annual fee?
No, the Preferred Cash Rewards card has no annual fee.
Does it charge a foreign transaction fee?
Yes, this card charges a foreign transaction fee.
⚠️ About this data: Where we have checked a card's annual fee, APR and foreign-transaction fee, the page shows the date and the source. Welcome offers, rewards and benefits change often, so the issuer's own site is the final word. Approval is decided by the issuer. Nothing here is financial advice.