The USAA is a personal credit card from USAA. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 15.40% to 27.40% variable after a 0% introductory rate. Approval typically requires a credit score of 670 or higher. Signup bonus: $200 reward bonus when you spend $1,000 on qualifying purchases within the first 90 days of account opening.. Rewards: Unlimited 1.5% cash back on purchases, no category restrictions and no caps.. Cash back: 1.5% cash back on purchases.