USAA Preferred Cash Rewards
By Alex Compton · Last verified
USAA's simple 1.5% card, with a $200 bonus and a long 0% balance transfer runway.
Welcome Bonus
$200
≈$200 value
Spend Requirement
$1,000
in 3 months
Annual Fee
$0
No FTF
Credit Score
670+
(Good)
Current offer note: $200 reward bonus after $1,000 in qualifying purchases by January 31, 2027; also 0% intro APR through the May 2028 billing cycle on balance transfers posted by January 31, 2027 (5% fee)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Apply now or wait?
Consider waitingThis card has offered $250 before; the current $200 is right at its typical $200. Elevated offers have appeared 1 time in the last two years of our data, so if you can wait, history is on your side.
Current offer
$200
All-time high
$250
Typical offer
$200
In place since
October 2026
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | $200 | $1,000 in 3 mo | Bonus decreased: $250 → $200$200 reward bonus after $1,000 in qualifying purchases by January 31, 2027; also 0% intro APR through the May 2028 billing cycle on balance transfers posted by January 31, 2027 (5% fee) | USAA Preferred Cash Rewards Visa Signature product page → |
| 2026-06 | $250 | $1,000 in 3 mo | Bonus increased: $200 → $250$250 cash back | Archive record · no attached snapshot |
| 2025-10 | $200 | $1,000 in 3 mo | Bonus increased: $0 → $200 · Spend: $0 → $1,000 · Window: 0 months → 3 monthsFirst standing welcome offer, $200 | Archive record · no attached snapshot |
| 2024-06 | $0 | No recorded spend | Earliest recordNo welcome offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
Bonus now $200 after $1,000 by 1/31/2027 (was $250); 1.5% earn, $0 fee, no FTF confirmed; product URL moved
Fields: bonus, applyUrl, benefits
USAA Preferred Cash Rewards Visa Signature product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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Earning Rates
- 1.5xAll purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦No foreign transaction fees
- ✦Auto rental collision damage waiver
- ✦0% intro APR through the May 2028 billing cycle on balance transfers posted by January 31, 2027
Why it earns its spot
- +$200 on $1,000 spend is one of the easiest bonuses anywhere
- +No FTF and solid travel protections for a free card
Where it costs you
- −USAA membership limited to military, veterans and eligible family
- −1.5% trails the 2% flat-rate leaders
- −USAA's rewards lineup is thin beyond this card
The Compound Verdict
Grab it for the bonus math: $200 back on $1,000 of spending by January 31, 2027 is a 20% return, one of the best ratios on the market. As a long-term earner 1.5% is mediocre, so pair it with or replace it by a 2% card once the bonus posts.
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