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How are USAA reward checking account rates? I wouldn't bother with rate chasing unless you're starting to amass a good amount of cash...just looked up USAA and it's a garbage rate; 0.01%. Highest rates are about 2.5% these days. That's disappointing as they usually have the best rates for borrowers.
I don't think it's necessarily a bad idea to pay off debt first and shrink cash on hand, as a credit card can still bail you out if necessary, or friends/family. 3% interest is nothing though, so I wouldn't be in too big a hurry to pay that off.
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