Problem: USAA’s Preferred Cash Rewards credit card doesn’t have the best reward structure in terms of points and multipliers, and so USAA members are picking alternatives with more lucrative, yet complex, rewards schemes.

Insight: For USAA members, complicated credit cards are anxiety-inducing and can get in the way of simply paying for things.

Advantage: The Preferred Cash Rewards credit card gives you 1.5% cash back on anything you buy.

Strategy: Show how USAA’s Preferred Cash Rewards credit card is the anti-decision, reward everything credit card, that makes buying things and getting-rewarded as simple as it should be.

Creative Team: Tim Bunker, Mike Donahue, Jason Murray