The USAA Preferred Cash Rewards Visa Signature Credit Card is a straightforward cash-back option for military members, their spouses, and dependents. It offers unlimited 1.5% cash back on purchases without an annual fee. However, it lacks introductory APR offers or exclusive perks.
This card requires a recommended credit score of 670 and provides value with no category restrictions on cash back. According to the Points Guy, the card has a rating of three and a half stars, based on editorial opinion and not influenced by the issuer.
Pros include no annual fee and standard travel and purchase protections. The cons are its availability only to USAA members and limited redemption options for cash back.