Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

USAA credit cards with no foreign transaction fee

Choose between Visa and American Express cards.

Updated

USAA doesn’t have the most powerful cards, but it offers solid rewards for everyday spending and cards with no foreign transaction fees.

What is a typical USAA foreign transaction fee?

USAA’s cards are geared toward military servicemembers and their families who may need to relocate abroad. To make its cards more appealing, it waives foreign transaction fees for purchases made overseas.

Other providers typically charge a 3% foreign transaction fee on every purchase made abroad with most nontravel cards.

USAA credit cards with no foreign transaction fee

As of this writing, USAA hasn’t released its revamped secured card. But it’s never had foreign transaction fees, so there’s no reason to think it’s added it to the new card.

Name Product Foreign transaction fee Annual fee Purchase APR Filter values
USAA® Rate Advantage Visa Platinum® Card
None
$0
6.9% to 23.9% variable
Enjoy USAA's lowest rate card. Pay no annual fee, no penalty APR and no foreign transaction fee.
USAA® Rewards™ Visa Signature® Card
None
$0
9.9% to 25.9% variable
Get 2,500 bonus points with your first purchase. Pay no annual fee, no penalty APR and no foreign transaction fee.
USAA® Preferred Cash Rewards Visa Signature® Card
None
$0
11.9% to 25.9% variable
Earn 1.5% cash back on every purchase with no limits or category restrictions. Pay no annual fee, no penalty APR and no foreign transaction fees.
USAA® Rewards™ American Express® Card
None
$0
9.9% to 25.9% variable
Earn 3x points on dining, 2x points on gas and groceries and 1x points for all other purchases.
USAA® Cashback Rewards Plus American Express® Card
None
$0
11.9% to 25.9% variable
Earn 5% cash back on the first $3,000 in gas and military base purchases annually on these categories combined. Earn 2% on the first $3,000 on supermarket purchases per year. Unlimited 1% cash back on all other purchases.
loading

Compare up to 4 providers

How to compare USAA credit cards with no foreign transaction fee

All USAA cards have no annual fees or penalty APRs. Here are a few ways to compare USAA products:

  • Consider which card offers you the most rewards.

    Rewards are probably the easiest way to differentiate USAA cards. Dining, gas and groceries are common bonus categories.

    If you spend evenly throughout many categories, you might like a flat-rate cashback card. Check out the USAA® Preferred Cash Rewards Visa Signature® Card, which offers 1.5% cash back on all purchases.

  • Signup bonus or none?

    USAA isn’t known for its signup bonuses. Right now, its top bonus is 2,500 points after your first purchase. By comparison, you could earn tens of thousands of points with other providers.

    Some USAA products don’t offer signup bonuses at all, such as the USAA® Cashback Rewards Plus American Express® Card and USAA® Preferred Cash Rewards Visa Signature® Card.

  • Intro APR.

    If you really want an intro APR on purchases and balance transfers, you’re limited to USAA’s military affiliate cards, which come in Visa and American Express versions.

  • Look for a low interest rate.

    USAA bills one of its cards as its low-APR product: USAA® Rate Advantage Visa Platinum® Card. You could receive a purchase, balance transfer and cash advance APR as low as 6.9% variable — though it could also be as high as 23.9% variable, depending on your credit.

    Other cards have potentially low APRs too — 12% to 14% variable. You’ll have a better shot at a low interest rate if you have excellent credit.

Bottom line

None of USAA’s cards have foreign transaction fees or annual fees. And many of its products offer some combination of bonus rewards in gas, dining or groceries.

If USAA isn’t right for you, you’ll find many no-foreign-transaction-fee credit cards with other providers.

Frequently asked questions

Related Posts

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site