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  USAA Rewards™ Visa Signature® Credit Card

USAA Rewards™ Visa Signature® Credit Card

in Personal Credit Cards from USAA

Claimed

USAA Rewards™ Visa Signature® Credit Card

Claimed

in Personal Credit Cards from USAA

SuperMoney Net Recommendation Score -9%

SUPERMONEY NET RECOMMENDATION SCORE

-9%

-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

Mostly not recommended

3 users recommend
4 users are unsure
4 users don't recommend
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Highlights
Highlights
Community Rating Mostly not recommended
Purchase APR  (Variable APR) 9.9% - 25.9%
Balance Transfer APR  (Variable APR) 9.9% - 25.9%
Credit Score Range 700 - 850
Annual Fee $0
Number of Reviews 11

USAA Rewards™ Visa Signature® Credit Card Review

USAA Rewards™ Visa Signature® Credit Card is a rewards credit card issued by USAA. If you're wondering whether USAA Rewards™ Visa Signature® Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • Signup bonus. Offers a signup bonus of 2500 points that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. USAA Rewards™ Visa Signature® Credit Card has a variable purchase APR that ranges from 9.9% up to 25.9%.
  • No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. USAA Rewards™ Visa Signature® Credit Card charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees.
  • $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
  • Gas rewards.
  • Multiple credit card benefits. Includes generous credit card perks, such as price protection, and fraud protection.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.
USAA Rewards™ Visa Signature® Credit Card Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • No foreign transaction fee.
  • Cardholders can earn rewards on every purchase.
  • Earn rewards on every purchase.
  • USAA Rewards™ Visa Signature® Credit Card reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Requires good to excellent credit.
  • Charges a 3% balance transfer fee.
USAA Rewards™ Visa Signature® Credit Card FAQ

Is there a USAA Rewards™ Visa Signature® Credit Card cash back or rewards program?

USAA Rewards™ Visa Signature® Credit Card offers a rewards program to its customers.

USAA Rewards™ Visa Signature® Credit Card Rewards
Rewards rate (all purchases) 1%
Max rewards rate 2%
Annual rewards limit N/A
Signup Bonus ($) N/A
Signup Bonus (Points/Miles) 2500

Does USAA Rewards™ Visa Signature® Credit Card have a signup bonus?

USAA Rewards™ Visa Signature® Credit Card doesn't offer a cash signup bonus. However, it does include a 2500 points signup bonus that can be redeemed for travel, gifts, or other perks.

Does USAA Rewards™ Visa Signature® Credit Card offer an annual loyalty bonus?

USAA Rewards™ Visa Signature® Credit Card doesn't offer a cash loyalty bonus.

What are the USAA Rewards™ Visa Signature® Credit Card benefits?

USAA Rewards™ Visa Signature® Credit Card provides the following benefits:

  • Price Protection
  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for USAA Rewards™ Visa Signature® Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. USAA Rewards™ Visa Signature® Credit Card has lower than average purchase APRs.

USAA Rewards™ Visa Signature® Credit Card has a variable purchase APR that ranges from 9.9% up to 25.9%. The card has a variable balance transfer APR that ranges from 9.9% up to 25.9%. It also has a variable cash advance APR that ranges from 9.9% up to 25.9%.

Does USAA Rewards™ Visa Signature® Credit Card have an introductory APR offer on balance transfers?

No, USAA Rewards™ Visa Signature® Credit Card does not come with an introductory APR offer for balance transfers.

Does USAA Rewards™ Visa Signature® Credit Card have an introductory APR offer on new purchases?

USAA Rewards™ Visa Signature® Credit Card does not offer an introductory rate on new purchases.
USAA Rewards™ Visa Signature® Credit Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for USAA Rewards™ Visa Signature® Credit Card?

The following fees apply to USAA Rewards™ Visa Signature® Credit Card:

  • There is no overlimit fee
USAA Rewards™ Visa Signature® Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee $35
Late Payment Fee $35

Does USAA Rewards™ Visa Signature® Credit Card have a foreign transaction fee?

USAA Rewards™ Visa Signature® Credit Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

Does USAA Rewards™ Visa Signature® Credit Card report your account activity to credit bureaus?

USAA Rewards™ Visa Signature® Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit.

How to apply for USAA Rewards™ Visa Signature® Credit Card

  • Visit the USAA Rewards™ Visa Signature® Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

USAA Rewards™ Visa Signature® Credit Card Disclosure: Earn 2X points per dollar spent on gas and dining Earn one point for every dollar spent on all purchases Get 2,500 bonus points with your first purchase
SuperMoney Disclosure: 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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Gas (Points) 2
Every Purchase (Points) 1X points on all other purchases
Foreign Currency Transaction Fee 0%
No Annual Fee  
No Foreign Transaction Fee  
Annual Fee $0
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee (%) 3%
Returned Payment Fee $35
Late Fee Amount $35
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
  • Price Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Trip Cancellation Insurance
Bonus Rewards 2,500 bonus points after your first purchase
No Reward Expiration Period  
Rewards Rates
  • Every Purchase
  • Gas
  • Restaurants
Signup Bonus (points) 2,500
Rewards Type Points
Cash Advance APR (Variable APR) 9.9% - 25.9%
Balance Computation Average daily balance (including new purchases)
Purchase APR (Variable APR) 9.9% - 25.9%
Balance Transfer APR (Variable APR) 9.9% - 25.9%
Balance Transfer Fee % 3%

USAA Rewards™ Visa Signature® Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

-9%

-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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