USAA Cash Rewards Visa Signature Card Review | finder.com

USAA Cash Rewards® American Express® review

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Updated January 22nd, 2019
Name Product Welcome Offer Reward Value per Dollar APR (Annual Percentage Rate) for Purchases Annual Fee
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
1x points
17.99% to 24.99% variable
$0 annual fee for the first year ($95 thereafter)
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
Earn 50,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening - that's $750 toward travel when you redeem through Chase Ultimate Rewards®.
1x points
17.99% to 24.99% variable
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
Earn $150 cash back after spending $500 on purchases in the first 3 months from account opening
1% cash back
17.24% to 25.99% variable
$0
0% intro APR for 15 months from account opening on purchases and balance transfers.
Earn $150 cash back after spending $500 on purchases in the first 3 months from account opening
1.5% cash back
17.24% to 25.99% variable
$0
0% intro APR for 15 months from account opening on purchases and balance transfers.
$150 statement credit after you spend $1,000 in purchases on your new card within the first 3 months.
1% cash back
15.24% to 26.24% variable
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$200 statement credit after you spend $1,000 in purchases on your new card within the first 3 months.
1% cash back
15.24% to 26.24% variable
$95
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
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
1.5% cash back
15.24% to 26.24% variable
$0
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
35,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new card within the first 3 months.
1x points
See Rates & Fees
$250
35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & Fees
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days
2x miles
18.24%, 22.24% or 25.24% variable
$0 annual fee for the first year ($89 thereafter)
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
75,000 bonus points after you use your new card to make $3,000 in purchases within the first 3 months.
2x points
17.99% to 26.99% variable
$0 annual fee for the first year ($95 thereafter)
75,000 bonus points after you use your new card to make $3,000 in purchases within the first 3 months from account opening. Rates & Fees
125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Ascend Card after you use your new card to make $2,000 in eligible purchases within the first 3 months of card membership.
3x points
17.99% to 26.99% variable
$95
Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new card within the first 3 months of card membership. Rates & Fees
75,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new card to make $1,000 in eligible purchases within the first 3 months of card membership.
3x points
17.99% to 26.99% variable
$0
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
Earn a $150 cash rewards intro bonus after spending $2,500 in the first 3 months. 10% Anniversary Bonus on all Cash Rewards earned once a year.
1.5% cash back
15.24%, 19.24% or 25.24% variable
$0
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months.
1x miles
17.99% to 26.99% variable
$0
Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & Fees
30,000 bonus miles after spending $1,000 in purchases on your new card in your first 3 months and a $50 statement credit after you make a Delta purchase with your new card within your first 3 months.
1x miles
17.99% to 26.99% variable
$0 annual fee for the first year ($95 thereafter)
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
1x points
17.24% variable
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
1x points
17.24% variable
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
1x points
17.24% variable
$995
Earn 1x points when redeemed for airfare through the Luxury rewards program.
1% cash back
19.99% to 25.99% variable
$0 to $99
Get 1% cash back rewards on eligible purchases.
1% cash back
19.99% to 25.99% variable
$0 to $99
Seeing if you pre-qualify is fast, easy, and secure.
1% cash back
19.99% to 25.99% variable
$0 to $99
Get 2x cash back rewards at the NASCAR.com Superstore.

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USAA Cash Rewards® American Express®

USAA continues its line of credit cards geared toward military service members and their families with the USAA Cash Rewards® American Express®. Active military members will benefit from a very low 4% interest rate on all balances for 12 months while on deployment, as well as complete rebates for finance charges while they are on military campaigns. And they and their families will enjoy a card with no annual fees and no foreign transaction fees.

Having the ability to earn up to cash back on purchases made with the card is a very attractive feature. So is Visa’s suite of perks, which includes rental car insurance, price protection and extended warranties, concierge services, and travel assistance. These benefits all round out a card that cardholders may be able to acquire at a purchase, balance transfer, and cash advance interest rate as low as 13.65%.

Benefits of the USAA Cash Rewards® American Express®

  • Possibility for a relatively low 13.65% interest rate. Based on your credit, you may qualify for a purchase, balance transfer, and cash advance APR as low as 13.65% variable.
  • No annual fee. You can use the USAA Cash Rewards® American Express® without having to maintain it with an annual fee.
  • No foreign transaction fee. You can use your card abroad without incurring foreign transaction fees.
  • Cash rewards. You can receive up to cash back based on your spending on everyday purchases.
  • No cap on cash rewards. You can earn as much cash back as your spending allows. Your cash rewards are also redeemable anytime.
  • Special benefits for military service members. Military service members on deployment enjoy additional benefits like a reduced 4% interest rate for up to 12 months on all balances and complete rebates on all finance charges while on military campaigns.
  • Rental car insurance. When you pay for a rental vehicle with the USAA Cash Rewards® American Express®, you will be covered for any damages to the vehicle.
  • Shopping benefits. The USAA Cash Rewards® American Express® offers price protection and extended warranties for your purchases.
  • Concierge service. Visa’s concierge service can help you find accommodations for dining, hotels, travel, entertainment, and special occasions. It can also provide everyday services like fulfilling household needs and sending reminders for important dates or events.
  • Travel services. The USAA Cash Rewards® American Express® comes with travel assistance for travel emergencies, medical needs, legal services, baggage delay, and more.

Features of the USAA Cash Rewards® American Express®

  • No grace period for cash advances or balance transfers. If you take out cash with the card or initiate a balance transfer, you’ll accrue interest immediately.
  • Balance transfer limit. You can initiate balance transfers up to of your credit limit.
  • Restrictions on balance transfers. Balance transfers from USAA accounts are not allowed.
  • Balance transfer and cash advance fees. Balance transfers and cash advances each come with a 3% transaction fee, capped at $200 per transaction. Cash advance fees are waived when you make electronic transfers to USAA accounts.
  • Only for members of the military and their family members. To qualify for the card, you need to be an active military member, a veteran who was honorably discharged, or an eligible military family member.
  • Sliding APR scale. Depending on your credit, you could qualify for a purchase, cash, and transfer variable APR as low as 13.65% or as high as 27.65%.

How to apply for the USAA Cash Rewards® American Express®

Eligibility criteria

  • You are a U.S. citizen or permanent resident of the U.S.
  • You are at least 18 years old
  • You are a member of the military, a veteran who was honorably discharged, or an eligible family member of military personnel

Required documents & information:

  • Your name, residential status, and residential address
  • Your Social Security number
  • Your email address, phone number, and date of birth
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Megan Horner

As the assistant publisher of credit cards at finder.com, Megan is passionate about helping you compare and find the best credit cards for your situation, whether that is earning great rewards or improving your credit score. In her previous position, Megan worked as an assigning editor at Credit Karma, where she focused on editing and publishing educational articles on credit cards. Megan started her career as a writer at a comparison website, so she has a longstanding background in surfacing the best deals and helping people make decisions. In her spare time, Megan likes to hike, camp, surf, and read.

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2 Responses

  1. Default Gravatar
    BobJuly 21, 2017

    I have three high interest credit cards with balances I’d like to transfer to your Visa Signature card. The total of all the balances = $21,000 and my credit score is 756. I’m a Navy veteran, honorably discharged in 1977. Would I be eligible for this card and would I be able to transfer that much of a balance?

    • finder Customer Care
      AdrienneJuly 21, 2017Staff

      Hi Bob,

      Your situation sounds like one where a balance transfer credit card might help. USAA states that the credit limit they might extend to you is dependent upon your application criteria and credit history. If your application is approved and the credit limit you are granted high enough, you can use up to 95% of that credit limit for transferring your balances.

      As a Navy vet (thank you for your service!) you are eligible for a USAA membership. You can apply for membership at the same time as you apply for your new card.

      I hope this information was helpful.

      Cheers,

      Adrienne

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