USAA Preferred Cash Rewards Visa Signature Card Calculator

Card Details & USAA Cash Back Calculator
1.5% All Purchases

Review the perks of the USAA Preferred Cash Rewards Card, calculate how much USAA cash back you can earn based on spend, and compare results to top cards.

The USAA Preferred Cash Rewards Visa Signature Card is a flat rate cash back earning card. It pairs great with the USAA Cashback Rewards Plus Card and creates the best cash back combination you can have with USAA credit cards. Both cards will ensure that you always earn between a 1.5% and 5% return on all purchases.

Bonus Categories

The USAA Preferred Cash Rewards Visa Signature Card does not feature any bonus categories. It earns an unlimited 1.5% cash back on all eligible purchases ran through the card.

  • 1.5% All Purchases

Perks & Benefits

The USAA Preferred Cash Rewards Visa Card features special military APR benefits along with several travel and purchase protections.

  • Military APR Benefits
    • Reduced APR rate on all balances for up to 12 months during deployments or PCS.
    • Special rate on the balance of the account when entering active military duty; lasts until one year after completion of active duty.
  • Travel & Purchase Coverage
    • Auto Rental Collision Damage Waiver
    • Travel and Emergency Assistance
    • Trip Cancellation and Interruption
    • Travel Accident Insurance
    • Baggage Delay Reimbursement
    • Extended Warranty Protection
    • Personal Identity Theft Reimbursement

Sign Up Bonus (SUB)

The USAA Preferred Cash Rewards Visa Card does not feature a standard sign up bonus.


Annual Fee

There is no annual fee for the USAA Preferred Cash Rewards Visa Signature Card. This means you will always earn a return of 1.5% for all purchases without fees taking away from your rewards.

Authorized User Fee

There is no authorized user fee for the USAA Preferred Cash Rewards Visa Signature Card. Adding friends and family as users will help increase the rate in which you can earn USAA cash back.

Foreign Transaction Fee

The USAA Preferred Cash Rewards Visa Signature Card has a 0% foreign transaction fee. Use the card worldwide wherever VISA is accepted and always earn 1.5% cash back without being penalized for shopping internationally.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Edit Card Options
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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