Both the Navy Federal Credit Union Visa Signature cashRewards Card and the USAA® Preferred Cash Rewards Visa Signature® Card offer enticing cash back rewards without the burden of annual fees or foreign transaction costs. The Navy Federal cashRewards edges out with a higher cash back rate for those with direct deposit and a generous introductory offer. It is more accessible to those with fair credit, making it a versatile option for a broader audience.
However, the USAA Preferred Cash Rewards card is still a strong contender, especially for those who can benefit from its introductory APR offer.