USAA members increasingly choose credit cards with complicated reward structures, chasing points and multipliers that look lucrative on paper but feel overwhelming in practice. For this audience, credit shouldn’t create anxiety or add mental math to everyday purchases.

USAA’s Preferred Cash Rewards card offers a simple, universal benefit: 1.5 percent cash back on anything you buy. No categories, no tracking, no decisions.

Our strategy is to position Preferred Cash Rewards as the anti-decision credit card. The card that rewards everything, simplifies every transaction, and restores the ease of just paying for things.

Creative Team: Tim Bunker, Mike Donahue, Jason Murray