Features

Who is USAA Rewards Visa Designed For?

The USAA Rewards Visa is designed for people affiliated to the military with good to excellent credit 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 Interest Rates for USAA Rewards Visa?

The interest rates for the USAA Rewards Visa range from 9.90% to 25.90% APR depending on creditworthiness. There is no penalty rate for cardholders who are late on payments. However, there isn't an intro rate on purchases or balance transfers either.

What Are the Fees for USAA Rewards Visa?

- The USAA Rewards Visa 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 also a 1% foreign transaction fee.

What Is USAA Rewards Visa's Rewards Program Like?

USAA Rewards Visa gives cardholders 1.25% cash back on all purchases. There is no cap or expiration date on cash back points, which can be redeemed automatically to cardholders' account.

What about USAA Rewards Visa's Signup Bonus?

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

Does USAA Rewards Visa Have Any Other Benefits?

USAA Rewards Rewards Visa 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 APR of 4% on all balances dfor 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 Better Than Other Credit Cards?

The USAA Rewards Rewards Visa has reasonably low interest rates, 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
    Balance Transfer Rewards
  • Customer Type
    Personal
  • Card Network
    Visa
  • Minimum Age
    18
  • Co-signing Allowed
  • Grace Period / Deferred Interest
    25
  • Late Payment Penalty
    $35
  • Returned Payment Fee
    $35
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Free FICO Score
  • Lost Luggage Insurance
  • Travel Insurance
  • Air Miles
  • Cashback
  • Points
  • Purchases APR
    10.15% - 26.15%
  • Transfer Fee
    3%
  • Balance Transfer APR
    10.15% - 26.15%

Personal Credit Cards Products From USAA

js-table-filter bizname-usaa-rewards-visa-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
10.15
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1922

  • Cashback
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 10.15%
Balance Transfer APR 10.15%
076
js-table-filter bizname-usaa-rate-advantage-mastercard
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
6.9
js-table-filter no-annual-fee-238
js-table-filter card-type-11
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 6.9%
Balance Transfer APR 6.9%%
140
js-table-filter bizname-usaa-cash-rewards-american-express-card
0
js-table-filter ccard-type-222
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
js-table-filter gas-139
js-table-filter groceries-141
12.15
js-table-filter no-annual-fee-238
js-table-filter card-type-9
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1922

  • Cashback
  • Every Purchase
  • Gas
  • Groceries
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Cash Back
Card Type Balance Transfer
Card Type Rewards
Purchases APR 12.15%
Balance Transfer APR 12.15%
072
js-table-filter bizname-usaa-rewards-american-express-card
0
js-table-filter ccard-type-222
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
js-table-filter gas-139
js-table-filter groceries-141
10.15
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-9
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1850

  • Cashback
  • Every Purchase
  • Gas
  • Groceries
  • No Annual Fee
  • 0% Introductory APR
  • No Foreign Transaction Fee
Card Type Cash Back
Card Type Balance Transfer
Card Type Rewards
Purchases APR 10.15%
Balance Transfer APR 10.15%
078
js-table-filter bizname-usaa-rewards-world-mastercard
js-table-filter airlines-140
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter every-purchase-138
js-table-filter points-137
11.15
js-table-filter travel-143
0
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-11
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1922

  • Airlines
  • Every Purchase
  • Points
  • Travel
  • No Annual Fee
  • 0% Introductory APR
  • No Foreign Transaction Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 11.15%
Balance Transfer APR 11.15%
Intro APR period (months) 12
073
js-table-filter bizname-usaa-cash-rewards-visa-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
10.15
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1922

  • Cashback
  • Every Purchase
  • No Annual Fee
  • 0% Introductory APR
Card Type Balance Transfer
Card Type Rewards
Purchases APR 10.15%
Balance Transfer APR 10.15% to 26.15%%
006
js-table-filter bizname-usaa-cash-rewards-world-mastercard
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
9.9
js-table-filter no-annual-fee-238
js-table-filter card-type-11
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1922

  • Cashback
  • Every Purchase
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 9.9%
Balance Transfer APR 9.9%%
006
js-table-filter bizname-usaa-secured-platinum-american-express-card
35
js-table-filter ccard-type-137
js-table-filter ccard-type-138
10.15
js-table-filter card-type-9
js-table-filter credit-required-113
js-table-filter credit-required-114

Est. 1922

Annual Fee $35
Card Type Balance Transfer
Card Type Secured
Purchases APR 10.15%
Balance Transfer APR 10.15%-20.15% APR%
006
js-table-filter bizname-usaa-secured-card-platinum-mastercard
35
js-table-filter ccard-type-139
9.9
js-table-filter card-type-11
js-table-filter credit-required-132
js-table-filter credit-required-113

Est. 1922

Annual Fee $35
Card Type Low APR
Purchases APR 9.9%
Balance Transfer APR 9.90% to 19.90%%
006
js-table-filter bizname-usaa-rewards-american-express
js-table-filter ccard-type-136
js-table-filter every-purchase-138
js-table-filter gas-139
js-table-filter points-137
10.15
js-table-filter no-annual-fee-238
js-table-filter card-type-9
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1922

  • Every Purchase
  • Gas
  • Points
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Rewards
Purchases APR 10.15%
Balance Transfer APR 10.15% to 26.15%%
006
js-table-filter bizname-usaa-military-affiliate-cards
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter every-purchase-138
js-table-filter points-137
11.15
js-table-filter no-annual-fee-238
js-table-filter card-type-9
js-table-filter card-type-11
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1922

  • Every Purchase
  • Points
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 11.15%
Balance Transfer APR 11.15% to 26.15 APR%
006
js-table-filter bizname-usaa-preferred-cash-rewards-visa-signature-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
12.15
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1922

  • Cashback
  • Every Purchase
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 12.15%
Balance Transfer APR 12.15% to 26.15% APR%
006
js-table-filter bizname-usaa-classic-visa-platinum
0
18.15
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1922

  • No Annual Fee
  • No Foreign Transaction Fee
Purchases APR 18.15%
006
js-table-filter bizname-usaa-classic-american-express
18.15
js-table-filter no-annual-fee-238
js-table-filter card-type-9
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1922

  • No Annual Fee
  • No Foreign Transaction Fee
Purchases APR 18.15%
006
js-table-filter bizname-usaa-active-military-mastercard
0
js-table-filter cashback-135
js-table-filter every-purchase-138
js-table-filter points-137
10.15
js-table-filter no-annual-fee-238
js-table-filter no-foreign-currency-transaction-fee-237

Est. 1922

  • Cashback
  • Every Purchase
  • Points
  • No Annual Fee
  • No Foreign Transaction Fee
Purchases APR 10.15%
Balance Transfer APR 10.15%
000
js-table-filter bizname-usaa-cash-rewards-visa-signature
0
js-table-filter ccard-type-139
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
10.15
js-table-filter no-annual-fee-238
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1922

  • Cashback
  • Every Purchase
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Low APR
Card Type Rewards
Purchases APR 10.15%
Balance Transfer APR 10.15% to 26.15% APR%
006
js-table-filter bizname-usaa-rate-advantage-platinum-visa
js-table-filter ccard-type-139
7.15
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1922

  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Low APR
Purchases APR 7.15%
Balance Transfer APR 7.15%
014
Load More Products

SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Reviews

Write a Review

Sort by:

  • Rating
  • Date
  • Most Useful

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.


New Review for USAA Rewards Visa Signature Card

Rate your experience:

Cancel