VisaUSAA Preferred Cash Rewards
USAA's simple 1.5% card finally comes with a real welcome bonus.
Welcome Bonus
$250
≈$250 value
Spend Requirement
$1,000
in 3 months
Annual Fee
$0
No FTF
Credit Score
670+
(Good)
Current offer note: $250 cash back
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-10 · spot an outdated offer? Tell us in the comments.
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
- ✦Military-specific APR protections beyond SCRA minimums
Why it earns its spot
- +$250 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: $250 back on $1,000 of spending is a 25% return, about the best ratio 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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