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New USAA Limitless 2.5% Cash Back Credit Card

My Dollar Plan reader Jacob sent us a heads up on a USAA card with 2.5% cash back! It’s currently an online pilot with limited availability, but if you qualify it’s a great way to earn above average cash back!

The new USAA Limitless Cashback Rewards card [1] is available to USAA members in 26 states right now.

A 2.5% cashback card without any rotating categories [2] or the need to sign up always qualifies as Free Money [3] in my book!

Thanks for the tip Jacob!

How to Earn 2.5% Cash Back

  1. Apply for the USAA Limitless Cashback Rewards card [1].
  2. Open a checking account and establish a monthly qualifying direct deposit of at least $1,000 to your USAA Bank checking account within 90 days.
  3. Earn 2.5% cash back on all purchases.

Find and compare all current credit card offers in our credit card directory [4].

Terms and Conditions

  • No annual fee.
  • This product is currently available to members residing in the following states: AL, AR, AZ, CO, CT, FL, GA, HI, ID, IL, IN, KS, LA, MD, MI, MN, ND, NM, NV, NY, PA, RI, SC, TN, TX and WA. It will become available in additional states at a later date.
  • A qualifying direct deposit is a single electronic transfer of at least $1,000 that you initiate with your employer, a government entity or an external financial institution. Funds transfers between USAA accounts are not qualifying direct deposits.

More on USAA

Earning Cash Back. You’ll earn 2.5% cash back if you maintain your direct deposit. If you do not have a qualifying direct deposit, you will earn 1.5% cash back. After the first 90 days, you’ll need a deposit every 30 days.

Redeeming Cash Back. You can redeem your cash back as a deposit into your checking or savings account.

Checking Account. You can open a checking account with no monthly service fees.

USAA Membership Requirements. To join USAA you must be active military, former military, families, and cadets or midshipmen. I have an old USAA membership, but when I tried to see if I could open this card or the checking account it said it was unavailable to me. Hopefully, other states will be added soon!

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