Features

Who is USAA Rewards World MasterCard For?

USAA Rewards World MasterCard is designed for people who are affiliated to the military and are looking for a low-cost cash back rewards card. To qualify you, your spouse or your parents must be an active or retired member of the U.S. military.

What are the Interest Rates?

The USAA Rewards World MasterCard has an APR ranging from 9.90% to 25.90% based on the applicant's credit history. The same rate applies to purchases, balance transfers and cash advances. There is no penalty APR, so your rate will not change if you're late on a payment.

What Are the Fees?

There is no annual fee to worry about, but there is a 1% foreign transaction fee. There is also a 3% fee on balance transfers and cash advances. However, the fee is capped at $200, and in the case of cash advances, the fee is waived if the money is transferred electronically to a USAA deposit account.

The late fees on this card are not as forgiving. There is both a late payment and returned payment fee of $35 each to consider. Members of the military receive a 100% rebate of finance charges during qualified military campaigns.

What Is the Rewards Program Like?

USAA Rewards World MasterCard has a four-tier cash-back program that rewards cardholders with a rebate rate ranging from 0.45% to 1.25%, depending on their volume of annual purchases.

Members who spend less than $5,000 a year, receive 0.45% of their annual net purchases. If they spend between $5,000 and $10,000, the rate is 0.85% on purchases over $5,000 and they receive an additional $22.5 bonus. If they spend between $10,000 and $17,000, the rate is 1% on purchases over $10,000 and they get a $65 bonus. Members who spend more than $17,000 receive 1.25% of all purchases over $17,000 and a $135 bonus.

The annual rebate of cardholders is calculated every January and is based on their purchases in the previous 12 months. There is no limit to how much you can earn in cash rebates.

What about the Signup Bonus?

There is no signup bonus, but members of the military do get lower interest rates during deployment and all members receive additional rebates when they spend over $5,000, $10,000 and $17,000.

Any Other Benefits?

The USAA Rewards World MasterCard comes with travel, retail and security benefits, such as emergency and roadside assistance, collision damage waiver on car rentals, identity theft protection, extended warranties on purchases and travel accident insurance. Active members of the U.S. military receive additional help during and after their deployment.

How Is It Better Than Other Credit Cards?

The USAA Rewards combines no annual fee with a generous cash back program and useful shopping and travel benefits, particularly for members who spend over $10,000 a year. Interest rates are not bad either. Members with good credit may qualify for a purchase, balance transfer and cash advance rate as low as 9.90% APR.

  • Card Type
    Balance Transfer Rewards
  • Customer Type
    Personal
  • Card Network
    Mastercard
  • 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
    11.15% - 26.15%
  • Transfer Fee
    3%
  • Balance Transfer APR
    11.15% - 26.15%
  • Intro APR period (months)
    12

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% TO 24.15% APR%
014
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Reviews

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0 votes

I was super relieved recently when after being a day late to pay I discovered that USAA doesn't have an APR penalty rate; Whew! I have a good rate with them of 11.00%, so I didn't want to lose it. I've lost other good APRs with other companies. Another good reason to love this card and USAA! They realize that everyone is human and trips up sometimes!


0 votes

Love this card! Really nice that you get rewarded for spending more, rather than an across the board reward for certain items. Because of the great reward system with this card, I use it for anything and everything that I can. As a result, I get a nice rebate at the end of the year that always covers my holiday shopping!


0 votes

Nice card with a few perks, including a farily decent rewards program. I also really like the fact that there is no annual fee. Thta isn't always the case when you have a rewards card. The interest rate is really reasonable, as well. Makes me really glad I got the card.


0 votes

No annual fee with this card to pay, which is nice, and the reward points add up the more you use the card. There is a 1% foreign transaction fee, which while it isn't that high, I'm not real thrilled about it if I happen to get stationed overseas. In the meantime this works stateside.


0 votes

This card is interesting in how they give you rewards. They base rewards on how much you spend. This tiered system means the more you spend the more you save. I think that's really cool. You get an annual rebate that takes this all into consideration. And better yet, there's no limit to these cash rebates that you can get!

0 votes

I've had this card for awhile. It started out zero percent interest for six months, which helped me pay off another card. I also like the fact that there is no annual fee. The interest rates are reasonable and don't go up. I think they actually even went down about a year ago--so they're in keeping with interest rates in general. The reward points add up to some decent choices in terms of gift cards.


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