The USAA Preferred Cash Rewards Visa Signature is a personal credit card from USAA Preferred Cash Rewards Visa Signature. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 14.15%–30.90% variable. Approval typically requires a credit score of 670 or higher. Signup bonus: Earn a $250 reward bonus after spending $1,000 on qualifying purchases within 90 days of account opening.. Rewards: 1.5% unlimited cash back on all purchases. No annual fee. Low APR range starting at 14.15%.. Cash back: 1.5% cash back on purchases.