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

While not the most powerful card, it’s a 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

Balance Transfer APR12.9% to 27.9% variable
Intro 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
Base Rewards1x 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 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 I 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 to show your support for the organization and start conversations with prospective members.
  • You’re being deployed or have received a permanent change of station (PCS) order. You’ll receive a special interest rate of 4% fixed 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.
    USAA’s trend of no-annual-fee cards is continued by The American Legion USAA Rewards™ Visa Signature® Card.
  • 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. Though $25 isn’t the most exciting perk, this USAA bonus is one of the easiest to get.
  • Rewards: Flat rewards on all purchases.
    Earn 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 a 0% intro 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 12.9% to 27.9% 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% intro APR periods on balance transfers for 15 or more months.

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 12.9% to 27.9% variable. By federal law, providers are required to reduce credit card interest to a minimum of 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.

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 credit cards with military perks

Some credit card providers offer perks for military members such as reduced APRs and waived fees. If you or someone in your family is a military member, compare credit cards that offer military benefits and find the best card for you.

Name Product Welcome Offer Rewards Annual Fee
60,000 points after spending $5,000 in your first 3 months
5x points on flights booked directly or flights and hotels booked through American Express Travel. 1x points on all other purchases
$550
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & Fees
50,000 points after spending $4,000 in the first 3 months
3x points on dining and travel after earning your $300 travel credit. 1x points on all other purchases
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
Earn 2x points on gas and groceries and 3x points on dining. Earn 1x points for all other purchases.
See terms
Earn 2x points on gas and groceries and 3x points on dining. Earn 1x points for all other purchases.
Earn 2x points on gas and dining and 1x points on all other purchases.
$0
Earn 2x points on gas and dining and 1x points on all other purchases.
N/A
1% cash back when you make purchases and 1% cash back when you pay off your card
$0
Earn 1% cash back when you pay off your card, on top of the 1% cash back you earn when you make purchases. No annual fee.

Compare up to 4 providers

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 US.
  • 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 that 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.

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.

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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 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 no-annual-fee credit cards with our comprehensive guide.

Frequently asked questions

Images: USAA.com

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