USAA Rewards World Mastercard

USAA Rewards World Mastercard Review

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This is a rewards card issued by USAA. If you're wondering whether USAA Rewards World Mastercard is the right card for you, read on.

Key Takeaways

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
• Competitive APRs. USAA Rewards World Mastercard has a variable purchase APR that ranges from 11.15% up to 26.15%.
• 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.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.

Pros & Cons of USAA Rewards World Mastercard

The Good	The Bad
Potentially lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 12 months. No balance transfer fee. No annual fee. No foreign transaction fee. Cardholders can earn rewards on their purchases.	Does not offer a signup bonus. You don't earn rewards on every purchase. Does not report to credit bureaus. Does not include many credit card benefits.

USAA Rewards World Mastercard FAQ

Does USAA Rewards World Mastercard have a cash back or rewards program?

USAA Rewards World Mastercard is a rewards card.

USAA Rewards World Mastercard Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A

What are the relevant APRs for USAA Rewards World Mastercard?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

USAA Rewards World Mastercard has a variable purchase APR that ranges from 11.15% up to 26.15%. The card has a variable balance transfer APR that ranges from 11.15% up to 26.15%.

The good news is this card does not charge a penalty APR if you are late on a payment.

What are the fees for USAA Rewards World Mastercard?

The following fees apply:

• There is no overlimit fee

USAA Rewards World Mastercard Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	0%
Returned Payment Fee	$35
Late Payment Fee	$35

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

How to apply for USAA Rewards World Mastercard

• Visit the USAA Rewards World Mastercard 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.