USAA
USAA Rewards™ Visa Signature® Credit Card
Key Features
| Annual Fee | $0.00 |
| Regular APR | 13.40% to 27.40% Variable Regular APR No Penalty APR |
| Other Fees | No Foreign Transaction Fees Balance Transfer and Cash Advance fee is 5% of each transaction amount. There is a transaction fee of 5% of the amount of each Balance Transfer, Convenience Check and Cash Advance. The Cash Advance fee is waived when you transfer funds electronically from your USAA credit card to your USAA Bank deposit account. |
| Network | Visa |
About this card
The USAA Rewards™ Visa Signature® Credit Card receives an overall rating of 2.7 out of 5.0. While the card benefits from having no annual fee and no foreign transaction fees, its high APR range and mediocre rewards program significantly limit its appeal. The APR rating is particularly concerning, as the high end of the APR range can be very costly for cardholders. The rewards program, while offering 2x points on dining and gas, is not competitive enough to offset the high APR and lack of a sign-up bonus. The combination of these factors results in a card that is only fair in terms of overall value.
Pros & Cons
What's great
- No annual fee
- No foreign transaction fees
- Rewards on dining and gas
- Travel insurance coverage
Things to consider
- High regular APR
- No sign-up bonus
What this card offers
Rewards
- 2X points on dining
- 2X points at gas stations
- 1X points on other purchases
Other features
- Rely on us — from secure logons to zero liability for unauthorized transactions.see note 3
- Set up a variety of alerts on your mobile device to stay informed.
- Report a lost or stolen card online or in the app.
- Auto Rental Coverage
- Travel Accident Insurance
- Trip Cancellation and Interruption Coverage
- Baggage Delay and Reimbursement
- Access USAA customer service 24/7 online.
- Take advantage of extended warranty protection on U.S. manufacturers' warranties.see note 4
- Add your card to your phone for fast mobile payments or checkouts.
- Enjoy reward points that never expire, with extra earnings in select spending categories.
- Keep tabs on your rewards. Points for posted transactions are usually added within 48 hours. Check your total on usaa.com or the mobile app.
- Choose from a range of exciting redemption options. Redeem some or all of your points.
Additional Notes
All credit cards subject to approval. If you apply for a USAA Visa Signature® Credit Card and are approved for a credit limit less than $3,000 you'll automatically be issued a USAA Visa® Platinum Credit Card with the same terms and fees. This is not applicable to the USAA Eagle Navigator® Visa Signature® Credit Card.