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USAA Rewards™ Visa Signature® Card review

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Advertiser Disclosure

Annual Fee
$0.00
Interest Rate: Purchases
10.65% ‐ 26.65% (Variable)
Interest Rate: Purchases
10.65% ‐ 26.65% (Variable)
Balance Transfer
10.65% ‐ 26.65% (Variable) (0% for the first 15 months)
Balance Transfer
10.65% ‐ 26.65% (Variable) (0% for the first 15 months)
Rewards
1 - 2 points
Rewards
1 - 2 points
Signup Bonus
-
Signup Bonus
-


6.4/10
Informr score
The USAA Rewards™ Visa Signature® Card currently has an Informr score of 6.4 out of 10. This score is based on our evaluation of 11 sources including reviews from users and the web's most trusted critics.

Am I eligible?


USAA Rewards™ Visa Signature® Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


The Balance
The Balance

If you’re a USAA member or eligible for membership, you might be tempted by the USAA Rewards Visa Signature Card if you’re looking to earn rewards on your everyday purchases. And indeed—you can redeem your rewards points for a wide range of items, from gift cards to statement credits. Unfortunately,...

- Lindsay Vansomeren, Fernando Flores, The Balance
MyBankTracker
MyBankTracker

Whether or not you should get the USAA Rewards Visa Signature Card ultimately comes down to how often you spend, what you spend the most on, and what you plan to do with your rewards. If you want a card that doesn’t make earning or redeeming rewards a headache and offers extras for military service,...

- Rebecca Lake, MyBankTracker
Forbes
Forbes

Earning 2 points per dollar on gas and dining out and 1 point per dollar on all other purchases, the no-annual-fee USAA Rewards Visa Signature Credit Card isn’t a great card, but it may be a convenient choice for those who bank or insure with USAA and don’t want to pay foreign transaction fees.

- Chauncey Crail, Robin Saks Frankel, Forbes
Investopedia
Investopedia

The USAA Rewards Visa Signature isn’t a costly card; it doesn’t charge an annual fee, penalty APR, minimum interest charge, or foreign transaction fees. Some competing credit cards have one or more of these fees. However, the card offers a one-time offer and points rewards that, as best we could gle...

- Lance Cothern, Investopedia
Compare Cards
Compare Cards

The USAA® Rewards™ Visa Signature® Card is a simple rewards cards that comes with a decent rewards rate in certain categories. If you already spend money on dining and gas, this card could be a good fit for you.

- Compare Cards

Details


Interest Rates
Regular APR Interest Rate 10.65% ‐ 26.65% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 10.65% ‐ 26.65% (Variable) (0% for the first 15 months)
  • This APR will vary with the market based on the Prime Rate.
  • Your Balance Transfer or Convenience Check must post to your account within 90 days of account opening for the Introductory APR to apply to the transaction.
Cash Advance Interest Rate 10.65% ‐ 26.65% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 3%
Cash Advance Fee 3%

Fee waived when transferring funds electronically to a USAA deposit account.

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $35.00

Maximum

Promotions
Sign up bonus No
Rewards
All Purchases 1 point per $1 spent


Restaurants 2 points per $1 spent
Gas 2 points per $1 spent
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service Yes
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments Apple Pay, Samsung Pay, Google Pay
Virtual Cards No
Additional Benefits
  • Baggage Delay
  • Trip Cancellation/Interruption Insurance
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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Additional comments -
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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