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The American Legion USAA Rewards™ Visa Signature® Card review

While not the most powerful card, it’s a good choice for active military personnel.

  • 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.
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Up to 2x



Annual fee

10.9% to 25.9%

Purchase APR (variable)


Intro balance transfer

for the first 12 months (then 10.9% to 25.9% variable)


Annual fee$0
Welcome OfferN/A
Purchase APR10.9% to 25.9% variable
Balance transfer APR0% intro for the first 12 months (then 10.9% to 25.9% variable)
Recommended minimum credit score670

Review by

Kevin Joey Chen is a credit cards, banking and investments writer whose work and analysis have appeared on CNN, U.S. News & World Report,, Lifehacker and He's passionate about helping you get your finances in order by expertly navigating cutting-edge financial tools — including credit cards, apps and budgeting software.

Expert review

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.

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.

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: 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 x 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 10.9% to 25.9% 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.

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 10.9% to 25.9% 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.

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 10.9% to 25.9% 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 10.9% variable and as high as 25.9% 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 service member, compare the best credit cards that offer military benefits.

Name Product Welcome offer Rewards Annual fee Filter values
Citi® Double Cash Card
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
Luxury Card Mastercard® Gold Card™
1x points on all purchases with 2% point value when you redeem for airfare or cash back
Earn 2% point value when redeemed for airfare or cash back through the Luxury rewards program.
The Platinum Card® from American Express
100,000 points after spending $6,000 in your first 6 months, plus 10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 in combined purchases in the same timeframe
10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 combined in the first 6 months, 5x points on prepaid hotels booked with American Express Travel, 5x points on directly-booked flights on up to $500,000 annually, then 1x points after that and on other purchases

New Platinum Exclusive Offer

One of the most valuable premium travel cards, featuring two welcome offers worth up to $7,000 based on Finder's valuation, multiple travel credits and unrivaled lounge access. Terms apply, see rates & fees

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?

The American Legion USAA Rewards™ Visa Signature® Card reviews and complaints

USAA is not accredited with the Better Business Bureau, but it earns an A- rating from the agency as of October 2020. As of this writing, 92% of its reviews are negative and it has over 1,422 customer complaints. USAA customers report unexpected changes to reward balances and a complicated customer service process.

The company earns a Trustpilot score of 1.4 out of 5 as of October 2020. 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.

USAA® Cashback Rewards Plus American Express® Card review

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

  • How do I qualify for a low APR?
    You’re more likely to qualify for a low APR if you have a good credit score of 670 or higher.
  • Why should I get a balance transfer card?
    A balance transfer card can be useful if you’re paying heavy interest on your current credit card. You can move your existing balance to another card that offers low or no interest for a period of time. This can help you pay off your debt faster and more cheaply.
  • Are points capped, and do they expire?
    You can earn unlimited points, and they don’t expire.


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