What are the Best Cash Back Credit Cards in USAA?

Cash back credit cards are a popular choice for consumers looking to save money while spending. USAA, a financial services company serving military members and their families, offers a variety of cash back credit cards with different rewards and benefits. In this article, we'll dive into the best cash back credit cards in USAA and what makes them stand out.

USAA Cashback Rewards Plus American Express Card

The USAA Cashback Rewards Plus American Express Card is a great option for those who frequently use their credit card for gas and grocery purchases. This card offers 5% cash back on up to $3,000 in combined gas and grocery purchases each year, and 2% cash back on military base purchases. All other purchases earn 1% cash back. There is no annual fee for this card and no foreign transaction fees.

USAA Preferred Cash Rewards Visa Signature Card

The USAA Preferred Cash Rewards Visa Signature Card is another excellent option forcash back rewards. This card offers unlimited 1.5% cash back on all purchases, with no limit on how much you can earn. Additionally, you can earn a $150 bonus after spending $1,000 on purchases within the first 90 days of account opening. There is no annual fee for this card and no foreign transaction fees.

USAA Rate Advantage Visa Platinum Card

If you're looking for a credit card with a low interest rate, the USAA Rate Advantage Visa Platinum Card may be the card for you. This card offers a low variable APR on purchases, balance transfers, and cash advances. There is no annual fee for this card and no penalty APR for late payments.

USAA Rewards Visa Signature Card

The USAA Rewards Visa Signature Card is a versatile cash back credit card that offers rewards on a variety of purchases. This card offers 2 points per dollar spent on gas and dining purchases, and 1 point per dollar spent on all other purchases. Points can be redeemed for cash back, travel, gift cards, and more. There is no annual fee for this card and no foreign transaction fees.

Tips for applying for a USAA credit card

When applying for a USAA credit card, it's important to have a good credit score. USAA typically requires a credit score of at least 670 for approval. Additionally, it's important to read the fine print and understand the card's terms and conditions, including any fees and interest rates. Lastly, remember to use your credit card responsibly and pay your balance in full each month to avoid interest charges and debt.

Saving money with cash back credit cards

Cash back credit cards can be a great way to save money on everyday purchases. By using a cash back credit card for your daily expenses, you can earn rewards on your spending and put that money towards future purchases or paying off your balance. Just be sure to pay your balance in full each month to avoid interest charges and fees.

Avoiding credit card fees and risks

When using a credit card, it's important to be aware of any fees and risks associated with the card. Many credit cards charge annual fees, foreign transaction fees, and late payment fees. Additionally, carrying a high balance on your credit card can lead to debt and damage your credit score. To avoid these risks, it's important to read and understand the card's terms and conditions, pay your balance in full each month, and use your credit card responsibly.

Recommendations for USAA credit cards

Overall, USAA offers a variety of cash back credit cards with different rewards and benefits to fit your spending habits and financial goals. If you're looking for a cash back credit card that offers rewards on gas and grocery purchases, the USAA Cashback Rewards Plus American Express Card is a great option. If you want a credit card with a low interest rate, the USAA Rate Advantage Visa Platinum Card may be the card for you. And if you want a versatile cash back credit card that offers rewards on a variety of purchases, the USAA Rewards Visa Signature Card is a great choice.