The American Legion USAA Rewards Visa Signature review | finder.com

The American Legion USAA Rewards™ Visa Signature® Card review – November 2018

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It’s not the most powerful card, but it’s an especially good choice for active military personnel.

30-second take

  • Get this card if you want to show your support for the American Legion or are going into active duty.
  • Pick something else if you want a card that offers a top-notch signup bonus, cashback rate and 0% intro APR.
  • Apply with a good to excellent credit score of 670 or higher.
Product NameThe American Legion USAA Rewards™ Visa Signature® Card
Card TypeVisa
Annual Fee$0
APR (Annual Percentage Rate) for Purchases12.65% to 27.65% variable
Introductory Balance Transfer APR 0% for the first 12 months (then 12.65% to 27.65% variable)
Balance Transfer Fee3%
Cash Advance Rate12.65% to 27.65% variable
Foreign Transaction FeeNone
Cash Advance Fee$3 or 3% of the cash advance amount, whichever is greater
Interest Free PeriodUp to 25 days
Late Payment FeeUp to $35
Returned Payment FeeUp to $35
Additional Cardholder Fee$0
Minimum Age18 years of age
Reward Value per Dollar1 points
Rewards Points ExpiryNever

The basics

The American Legion USAA Rewards™ Visa Signature® Card offers a few decent perks, such as 1x points on all purchases and a solid intro APR on balance transfers. And if you don’t want to spend much money to obtain a signup bonus, you’ll like receiving the card’s bonus after you make your first purchase.

If you’re looking for more powerful benefits, however, look elsewhere. You can easily find cards with 1.5% reward rates, as well as stronger signup bonuses and intro APRs.

Why should you get The American Legion USAA Rewards™ Visa Signature® Card?

There are two key reasons you might give this card a serious look:

  • You’re a passionate supporter of the American Legion. You’ll find the American Legion logo on your card, letting you show your support for the organization and start conversations with prospective members.
  • You are being deployed or have received a permanent change of station (PCS) order. You’ll receive a special interest rate of 4% APR for 12 months on all balances. After that, your APR for all balances will be 12.65% to 27.65% variable.

Bottom line: The American Legion USAA Rewards™ Visa Signature® Card isn’t the most powerful product. But it’s carved out a unique position in the market, and it could be the perfect card for you depending on your interests and deployment status.

The perks

  • ANNUAL FEE:

    A $0 annual fee makes it easy to keep the The American Legion USAA Rewards™ Visa Signature® Card long-term.

  • INTRO APR:
    0% on balance transfers for 12 months.

    This is a decent balance transfer promotion, though it’s not the longest you’ll find. For a stronger zero-interest period, consider the Citi Simplicity® Card.

  • REWARDS:

    Earn points on every purchase.

    You’ll earn point per dollar you spend on all purchases. Redeem points for:

    • 1% cash back.
    • Travel, gift cards and merchandise.
    • Reward donations to a military affiliate group.

    It’s nice to have rewards, but you’ll earn more with other cards. For example, the Citi® Double Cash Card offers 1% cash back on all purchases and another 1% when you pay for them.

    Compare Citi® Double Cash Card vs. Chase Freedom® credit card

  • INTRO APR:
    0% on balance transfers for 12 months.
  • Special interest rate for deployment and active duty.

    USAA offers a special interest rate depending on your deployment status.

    • Deployment/Permanent Change of Station (PCS) rate: Get 4% APR on all balances for up to 12 months during deployment or PCS.
    • Servicemembers Civil Relief Act (SCRA) rate: If you have a balance on your account when you enter active military duty, you’ll get 4% APR on it until one year after you complete active duty.

    The average credit card APR is around 16%, so 4% APR is a great deal. It can be especially useful if you need to make a big purchase now and pay for it over time.

  • Donations to the American Legion.

    Each time you make a qualifying purchase with your card, USAA Bank will make a donation to American Legion programs.

You’ll also like …

  • SIGNUP BONUS:
    points after your first purchase.

    A signup bonus of points is worth $25 cash back. You’ll find better signup bonuses with cards like the U.S. Bank Cash 365™ American Express® Card and U.S. Pride® BankAmericard Cash Rewards™ Visa® Card, which each offers 200 bonus cash.

    To be fair, the USAA card’s signup bonus is easier to obtain: Just use your card for the first time.

  • Potentially low APR.

    Depending on your credit score, you may qualify for a regular APR as low as 12.65% variable.

Other benefits

  • foreign transaction fees.
  • penalty APR.
  • $0 over-the-credit-limit fee.
  • Concierge services to assist you with your travel or big-ticket purchases.
  • Car rental coverage.
  • Extended warranties on products you buy with your card.
  • Travel accident insurance.

No annual fee credit card deals

Updated November 14th, 2018
Name Product Annual Fee APR (Annual Percentage Rate) for Purchases
$0
14.99% to 25.99% variable
Earn up to $250 back. Earn $150 back after you spend $1,000 or more in purchases with your new card within the first 3 months of Card Membership. Plus, earn an additional $100 back after you spend an additional $6,500 in purchases within your first 12 months. You will receive the cash back in the form of a statement credit. Rates & Fees
$0
14.99% to 25.99% variable
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
14.99%, 18.99% or 24.99% variable
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
$0
13.99% variable
A low, variable APR on purchases, balance transfers and cash advances.
$0
17.74% to 26.74% variable
Earn 10,000 Bonus Miles after spending $500 in purchases on your new card in your first 3 months of Card Membership. Rates & Fees
$0
17.74% to 26.74% variable
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of Card Membership. Rates & Fees
$0
11.99% to 21.99% variable
1% cash back to the nonprofits, K-12 schools, colleges and religious organizations of your choice.

Compare up to 4 providers

How does a balance transfer work with this card?

What to watch out for

  • Potentially high APR.

If you have a weaker credit history, you may be given an interest rate up to 27.65% variable.
How does credit card interest work?

What to know before you apply

To apply for the The American Legion USAA Rewards™ Visa Signature® Card, you must be a US citizen or permanent resident and at least 18 years old. You must be a member of USAA. You’re eligible if you serve in the military or have previously served. You may also qualify through other means, such as if your spouse served in the military or is a USAA member.

Information you’ll need

  • Your full name and contact information.
  • Your residential status.
  • Your annual income, source of income and employment information.
  • Your Social Security number.

What credit score do I need?

You’ll have a better chance of being approved for this card if you apply with a good to excellent credit score of 680 to 850.
What’s a good credit score?

How to apply for theThe American Legion USAA Rewards™ Visa Signature® Card

1. Go to the USAA website and click Apply Now.
2. Select whether you’re a USAA member. If you are, you’ll be asked to enter your login credentials. If you’re not, sign up to become one as long as you meet the eligibility requirements.
3. Complete the application with details like your name, address, annual income and Social Security number.
4. Review and submit your application.

How long will it take to be approved?

Typically, USAA will send you a decision within five to seven days. If there are issues with your application, however, it may take up to several weeks to hear back.

I got the card. Now what?

  • Make timely payments. Pay your card bill online at the USAA website, where you can enroll in autopay.
  • Avoid interest. After the close of each billing cycle, you have a grace period between 25 to pay your balance. If you do, you won’t pay interest on your purchases.
  • Avoid fees. Late and returned payments come with fees of up to $35. Balance transfers and cash advances also come with fees.
  • Contact customer service. If you have questions, call USAA at 800-531-8722.

Bottom line

The American Legion USAA Rewards™ Visa Signature® Card is overpowered by other cards on the market, but it offers decent benefits. It’s a good choice if you want to show your support for the American Legion.

The card may be especially helpful if you’re about to go into active military duty, as you’ll receive a special interest rate on all balances.

Still not convinced this is the right card for you? Compare your options with our comprehensive guide to no annual fee credit cards.

Frequently asked questions

Images: USAA.com

Kevin Joey Chen

Kevin Chen is a world-travelin', copy-writin', Game of Thrones-watchin' credit cards writer for finder.com. When he's not crunching the numbers on bonus points and comparing APRs, you can find him flying around the world in search of the perfect beer.

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