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

The American Legion USAA Rewards™ Visa Signature® Card review

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The American Legion USAA Rewards™ Visa Signature® Card

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 Purchases12.9% to 27.9% variable
Introductory Purchase APR

N/A

Introductory Balance Transfer APR 0% for the first 12 months (then 12.9% to 27.9% variable)
Balance Transfer Fee3%
Cash Advance Rate12.9% to 27.9% 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
Welcome OfferEarn 2,500 points after your first purchase
Reward Value per Dollar1x points
Rewards Points ExpirationNever

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 12.9% to 27.9% 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: None.The American Legion USAA Rewards™ Visa Signature® Card continues USAA’s trend of no-annual-fee cards.
  • Signup bonus: 2,500 bonus points.
    You’ll earn this signup bonus when you make your first purchase. When you redeem it for cash back, it’s worth $25.

    A $25 signup bonus isn’t the most exciting perk, as many no-annual-fee cards offer bonuses worth $150. Still, this USAA bonus is one of the easiest to obtain.

  • Rewards: Flat rewards on all purchases.
    Earn an unlimited 1x points on everything you buy. Redeem points for a suite of rewards, including travel, 1% cash back, merchandise, gift cards and charitable donations.

    You might find this reward rate to be bit underwhelming. Many other options offer a 1.5% rate, so consider other cards if rewards are important to you.

  • Intro APR: 0% on balance transfers and convenience checks.
    Take advantage of 0% APR for 12 months following your account opening on balance transfers and convenience checks that post to your account within the first 3 months of card membership. After that, your balance transfer APR will be variable.

    This is a solid balance transfer promotion, though it’s not the longest you’ll find. There are many great cards that offer 0% APR on balance transfers for 15 or more months.

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You’ll also like …

  • Special interest rate for deployment and active duty.
    USAA offers a special interest rate depending on your deployment status.

    If you’re on deployment or permanent change of station (PCS), you’ll receive 4% fixed APR on all balances for up to 12 months. After that, receive an ongoing APR on all balances of variable.

    By federal law, providers are required to reduce credit card interest to only 6% APR for active-duty service members. USAA reduces interest further, which is one of the reasons it’s a popular choice for military personnel.

  • No foreign transaction fees.
    Use your card abroad and on foreign websites without bumping up against the 3% fee that most providers charge. This makes The American Legion USAA Rewards™ Visa Signature® Card a great choice to bring on vacation.

What to watch out for

  • Potentially high APR.
    This card has a wide range of potential interest rates. You may receive an APR on all purchases as low as 12.9% variable and as high as 27.9% variable.

Compare no annual fee credit cards

Updated January 21st, 2019
Name Product Annual Fee Intro APR for Balance Transfer Introductory Purchase APR
$0
0% for the first 15 months (then 17.24% to 25.99% variable)
0% for the first 15 months (then 17.24% to 25.99% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$0
0% for the first 15 months (then 17.24% to 25.99% variable)
0% for the first 15 months (then 17.24% to 25.99% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$0
0% for the first 15 months (then 15.24% to 26.24% variable)
0% for the first 15 months (then 15.24% to 26.24% variable)
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Rates & Fees
$0
0% for the first 15 months (then 15.24% to 26.24% variable)
0% for the first 15 months (then 15.24% to 26.24% variable)
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
0% for the first 15 billing cycles (then 14.24% variable)

N/A

A low, variable APR on purchases, balance transfers and cash advances.
$0
0% for the first 15 months (then 15.24%, 19.24% or 25.24% variable)

N/A

Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
$0

N/A

N/A

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

N/A

N/A

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
1.99% for the first 6 monthly billing cycles (then 16.24% to 22.24% variable)
1.99% for the first 6 monthly billing cycles (then 16.24% to 22.24% variable)
1% cash back to the nonprofits, K-12 schools, colleges and religious organizations of your choice.

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What to know before you apply

To apply for The American Legion USAA Rewards™ Visa Signature® Card, you must be:

  • At least 18 years old.
  • A citizen or permanent resident of the United States.
  • A member of USAA. You may join if you are affiliated with the military or a family member of someone who is.

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 670 to 850. A score on the higher end will likely land you a lower APR.

Here are a few other factors that might affect your odds of approval:

  • Hard pulls on your credit report. If you have several hard inquiries — or hard pulls — on your report, it could imply you’re having trouble managing your debt. USAA might think you’re desperate for credit and may be less likely to take you on as a customer.
  • Factors that tie into your credit score. Your credit utilization is a major factor USAA considers. The bank prefers a customer with low balances relative to their credit limit. Having many new card accounts may be a red flag too, as it could indicate you’re desperate for credit. It may also give the impression that you’re a flighty customer who’s just hunting for signup bonuses.

What’s a good credit score?

What do customers say about The American Legion USAA Rewards™ Visa Signature® Card?

USAA is not accredited with the Better Business Bureau, but it earns an A+ rating from the agency. As of this writing, 92% of its reviews are negative and it has over 300 customer complaints. USAA customers report unexpected changes to reward balances and a complicated customer service process.

The company earns a Trustpilot score of 3.6 out of 10. Many negative reviews cite unsympathetic customer service and difficulty getting fraud claims resolved. Positive reviews say customer service is responsive and the bank’s products have strong features.

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

  1. Go to the USAA website and click Apply Now.
  2. If you’re a USAA member, enter your login details. If you’re not, click the link that says Join online or Get started now.
  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 payments on time. Register an account on the USAA website to pay your balance online. You can also enroll in autopay.
  • Avoid interest. You have a grace period of at least 25 days to pay your balance after the close of each billing cycle. If you do, you won’t pay interest on your purchases.
  • Avoid fees. For each late payment, you’ll incur a fee of up to $35.
  • Contact customer service. If you have questions about your account, call the number on the back of your card. Alternatively, call 1-800-531-8722 for the Banking Services line.

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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