Who is USAA Rewards Visa Signature® Designed For?

The USAA Rewards Visa Signature® is designed for people affiliated with the military who have good to excellent credit and who want a simple cash back credit card with no annual fee. Only active, retired and in-training military personnel and their direct family members can join USAA.

What are the Rates for USAA Rewards Visa Signature®?

The rates for the USAA Rewards Visa Signature® are 10.90% APR to 26.90% APR, depending on creditworthiness, and the rates vary with the market based on the prime rate. The same rate applies to purchases, balance transfers and cash advances. There is no penalty rate for cardholders who are late on payments, but there isn't an intro rate on purchases or balance transfers either.

What Are the Fees for USAA Rewards Visa Signature®?

The USAA Rewards Visa Signature® has no annual fee and no over-the-limit fee. On the other hand, it does have a 3% fee on balance transfers and cash advances, which is capped at $200 per transaction. The cash advance fee is waived when the funds are transferred electronically to a USAA deposit account. There is no foreign transaction fee.

What Is USAA Rewards Visa Signature®'s Rewards Program Like?

USAA Rewards Visa Signature® gives cardholders 1 point for every dollar spent on purchases. There is no cap or expiration date on points, which can be redeemed for cash, merchandise, gift cards or travel.

What about USAA Rewards Visa Signature®'s Signup Bonus?

USAA Rewards Visa Signature® has a 2,500 signup bonus for new cardholders when they make their first purchase.

Does USAA Rewards Visa Signature® Have Any Other Benefits?

USAA Rewards Rewards Visa Signature® includes the standards Visa Rewards benefits of collision damage waiver coverage, identity theft resolution, extended warranty and travel accident insurance. It also includes special benefits for the military, such as a reduced 4% APR on all balances for up to 12 months during deployment. Additionally, all finance charges accrued while serving on a qualified military campaign are waived.

How Is USAA Rewards Visa Signature® Better Than Other Credit Cards?

The USAA Rewards Rewards Visa Signature® has reasonably low APRs, a straightforward cash back rewards program and no annual fee. Add to this the Rewards Visa rewards and the special benefits given to military members and you can see why this card is popular with members of the military and their families.

  • Card Type
  • Customer Type
  • Card Network
  • Credit Score Range
    700 - 850
  • Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
  • Military Status
    • Active Duty Military
    • Military Dependent
    • Veterans
  • Minimum Age
  • Supported Income Types
    • 1099 Misc. Income
    • Cash / Other
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
  • Grace Period / Deferred Interest
  • Late Payment Penalty
  • Returned Payment Fee
  • No Annual Fee
  • No Foreign Transaction Fee
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Lost Luggage Insurance
  • Travel Insurance
  • Points
  • Signup Bonus (points)
  • Balance Computation
    Average daily balance (including new purchases)
  • Purchases APR
    10.9% - 26.9%
  • Transfer Fee
  • Balance Transfer APR
    10.9% - 26.9%

Personal Credit Cards Products From USAA

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0 votes

I can't believe I hadn't heard about this card before. It seems to be a little known gem. You do have to be in the military or family member of military to get into USAA, but once you are in, you can take advantage of great perks like this nice little card. There is a rewards program attached to the card that allows you to redeem points for cash, travel, gift cards and merchandise.

0 votes

If you have good credit, this is a great card to have. Interest rates are good when your credit is good. I got a 10.9% APR and I was thrilled. You have to be active duty, in-training or retired military in order to get one of these cards or direct family.

0 votes

Pretty good card. You have to have excellent credit to get it, though, so keep that in mind. I was happy that there is no annual fee, and that I got approved for a great interest rate--11.9% I figured that is good considering that my last credit card had a much higher interest rate.

0 votes

My New Year's resolution was to find a card that had a good APR, good rewards program and no annual fee. I found it with the USAA Rewards Visa. I have redeemed my points several times, and I've only had the card a few months. You get a bonus 2,500 points for signing up, too.

0 votes

My go to card, for sure! I love the fact that I can redeem my points for cash even on my cellphone. I'm doing more and more by cellphone these days, so that is nice, and easy! I like my APR, as well, but I haven't used it because I've been paying the card off each month.

0 votes

There might be no limit to the amount of cashback you can get, but what they don't tell you when you sign up--at least just in the small print--is that they don't give you your cashback until a year passes! That to me is so crazy. Who wants to wait that long for a reward

0 votes

This is a pretty good card, although I'm not all that thrilled with the fact that the cash rewards for the card are not posted except for once a year. That's way too long to wait for your rewards--at least in my book. There is zero in terms of an annual fee, so that helps.

0 votes

Nice card, except for the 3% charge on balance transfers. I know that it's hard to get no charge on that, but 1% to me would seem more fair. Other than that I really like the card. The no annual fee is great, as is the nice rewards program. I use that to give my grandkids gift cards.

0 votes

I like this card. It has several perks worth considering. For one, you get 2500 bonus points when you sign up. You also earn points without any limits on that and there are no expirations (I hate cards that have expirations on points!). I also got a nice APR of 11.9.

0 votes

Pretty good card. The interest rate I got is a little high at 19.99%, but I'm hoping after paying on time and not using too much of my CL that USAA will lower my APR after a few months. I really like the rewards program attached to the card.

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