Cash Back card · USAA
USAA Preferred Cash Rewards
USAA Preferred Cash Rewards is the flat-rate card: 1.5% back on everything, with no annual fee as of 2026. Annual fee: No annual fee (as of 2026).
Card facts
| Issuer | USAA |
|---|---|
| Network | Visa |
| Type | Cash Back |
| Annual fee | No annual fee (as of 2026) |
| Rewards | 1.5% cash back on every purchase, with no spending limit on the flat rate. |
| Interest rate | Variable — the issuer's official page lists the current rate. |
Every fact above is taken from the sources listed below; anything no source states is left blank rather than guessed. Annual fees and rewards change — every figure on this page carries its year, and the issuer's official page is always the current one.
Rewards, in plain words
1.5% cash back on every purchase, with no spending limit on the flat rate.
Who it is built for
Built for military members and their families who want one simple cash back rate.
Current details — visit the official USAA Preferred Cash Rewards page. Annual fees, rewards and interest rates change; the issuer's own page is always the current one.
More cards from USAA
Other cards from the same issuer in this library.
- USAA Cashback Rewards Plus · Cash Back · No annual fee (as of 2026)
- USAA Rate Advantage · Balance Transfer · No annual fee (as of 2026)
More Cash Back cards
American Express Everyday Card
2 points per dollar at US supermarkets (up to $6,000 in purchases a year), and 1 point per dollar on everything else.
Apple Card
3% Daily Cash back at Apple and select merchants, 2% Daily Cash back on purchases made with Apple Pay, and 1% Daily Cash back on purchases made with the physical card.
Bank of America Customized Cash Rewards
3% cash back in a category the holder chooses (up to $2,500 in combined purchases a quarter), 2% cash back at grocery stores and wholesale clubs, and 1% cash back on everything else.
Bank of America Unlimited Cash Rewards
1.5% cash back on every purchase, with no spending limit on the flat rate.
Frequently asked questions
What is the USAA Preferred Cash Rewards?
USAA Preferred Cash Rewards is the flat-rate card: 1.5% back on everything, with no annual fee as of 2026.
Does the USAA Preferred Cash Rewards have an annual fee?
No — the card has no annual fee (No annual fee (as of 2026)).
What rewards does the USAA Preferred Cash Rewards earn?
1.5% cash back on every purchase, with no spending limit on the flat rate.
Who issues the USAA Preferred Cash Rewards?
The USAA Preferred Cash Rewards is issued by USAA and runs on the Visa network.
Sources
- https://www.usaa.com/inet/wc/bank-credit-cards — Issuer's card list
- https://www.usaa.com/inet/wc/bank-credit-card-preferred-cash-rewards — Issuer's official card page
Page last updated 14 November 2026.