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Saturday, October 24, 2026 Independent since 2026. We are not a lender.

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Preferred Cash Rewards Visa Signature® Credit Card from USAA: annual fee, APR and rewards

Fact sheet for the Preferred Cash Rewards Visa Signature® Credit Card, issued by USAA, with no annual fee. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	USAA
Network	Visa
Annual fee	$0
Fee waiver	No annual fee per CFPB TCCP (Jul:Dec 2025); not verified on the card page
Rewards	No rewards
Balance transfer fee	5% of the amount of each Balance Transfer (USAA Credit Card Agreement Pricing Addendum, all cards)
Foreign transaction fee	None
Credit level	Excellent, Good, Poor, Limited (tiers the issuer reports to the CFPB)

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 24.65%, with a range of 15.65% to 27.65%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.

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Checked on October 16, 2026 on the issuer's official site. Terms change: confirm before you apply. usaa.com/banking/credit-cards-public/cash-… · static.usaa.com/content/dam/digital/documents/pdf… · files.consumerfinance.gov/f/documents/cfpb_tccp-data_2025-1…

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Every article is checked against primary sources: the Consumer Financial Protection Bureau, the Federal Reserve and issuer terms. When a number changes, we update the piece and say when.

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