USAA offers a $250 cash bonus on its Preferred Cash Rewards Credit Card after you spend $1,000 on qualifying purchases within 90 days of opening the account. You must be a USAA member, or become one, to apply.
Eligibility
Available nationwide
No state restrictions on this offer.
Hard credit inquiry
Applying posts a hard pull to your credit report.
How to get the USAA Preferred Cash Rewards bonus
- Become a USAA member if not already.
- Apply for and open the USAA Preferred Cash Rewards Credit Card.
- Spend $1,000 on qualifying purchases within 90 days of account opening.
- Receive the $250 reward bonus.
The fine print that matters
- Must be a USAA member or become one to apply; membership is limited to current and former military and their spouses and dependents.
- A fee of 5% of the amount of each balance transfer, cash advance, and convenience check applies.
- Regular APR is 15.40% to 27.40% variable.
- No annual fee and no foreign transaction fees.
Verification and reports
Confirmed against usaa.com on Jul 21, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
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Sources: usaa.com offer page (checked Jul 21, 2026)
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