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USAA® Rewards™ Visa Signature® Card review

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Get rewarded for everyday spending and a low APR during deployment or permanent change of station.

  • Get this card if you’re on active duty and want a low APR.
  • Pick something else if you want higher cash back.
  • Apply with a good to excellent credit score of 670 or higher.

2,500

Points as welcome offer

Up to 2x

Points

$0

Annual fee

9.9% to 25.9%

Purchase APR (variable)

Details

Product NameUSAA® Rewards™ Visa Signature® Card
Card typeVisa
Annual fee$0
Purchase APR9.9% to 25.9% variable
Balance transfer APR9.9% to 25.9% variable
Balance transfer fee3%
Cash advance rate9.9% to 25.9% variable
Cash advance fee3% of the cash advance amount
Foreign transaction feeNone
Interest free periodUp to 25 days
Late payment feeUp to $35
Returned payment feeUp to $35
Additional cardholder fee$0

Expert review

Kliment Dukovski

Review by


Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

If you’re a member of the US military and are looking for a credit card that will earn reward points — and give you a low APR during deployment or permanent change of station (PCS) — consider checking this card out.

You’ll earn more points for every dollar spent on gas and dining and can redeem those points for cash, merchandise, gift cards, travel or for a donation to your favorite military affiliate group.

How to apply for the USAA® Rewards™ Visa Signature® Card

  1. Visit USAA’s website and find the USAA® Rewards™ Visa Signature® Card from the list of credit cards, then click Get started or Log on.
  2. Log in to your USAA membership account and fill out your application form.
  3. Review your application and submit it.

How long will it take to get my USAA® Rewards™ Visa Signature® Card?

USAA can approve your application within a minute. In some cases when more information is needed, it may take a few business days to a few weeks for USAA to make a decision.

Upon approval, you’ll get your card within seven to 10 business days.

The perks

  • Earn points.

    Earn unlimited 2x points on dining and gas and 1x points on all other purchases. Plus, get 2,500 bonus points when you make your first purchase. Redeem points for an airline or cruise ticket, merchandise and gift cards, get cash credited to your account or deposited to your USAA checking or savings account, or donate to a participating charity or military affiliate group.

  • Deployment and PCS rate.

    Get a 4% fixed APR on all balances for up to 12 months during deployment or PCS. After that, an APR of 9.9% to 25.9% will apply.

  • Special SCRA rate.

    Receive a 4% fixed APR on your existing balance when you enter active duty until one year after you complete active duty.

  • Military Campaign Benefit.

    Get a rebate on all finance charges accrued while you serve in a qualified military campaign.

  • No annual fee.

    As a cardholder, you don’t have to worry about paying an annual fee.

You’ll also like …

  • No penalty APR.

    You won’t have your APR raised for late or missed payments. Other cards have up to 30% penalty APR that can last indefinitely.

  • No foreign transaction fees.

    You won’t pay transaction fees when you travel outside of the US. Other cards have up to 3% fee for each transaction.

  • Card security.

    Get added security and worldwide acceptance with a chip card. Additionally, get $0 fraud liability and increased security measures such as biometrics, Quick Logon, Cyber Code text and computer recognition.

  • Travel assistance and roadside assistance.

    Get travel assistance in case of medical, legal or other emergency needs you may have. Plus, if your car breaks down, you can call 866-200-9866 and USAA will send help.

  • Visa® Signature benefits.

    Get price protection, extended warranty, identity theft resolution services, concierge service, travel accident insurance, baggage coverage and trip cancellation insurance with your Visa® Signature card.

Will I get the Visa Signature card or the Visa Platinum card?

It depends on the credit limit that USAA assigns to you.

  • If your credit limit is less than $5,000 — you’ll get the Visa Platinum card.
  • If your credit limit is more than $5,000 — you’ll get the Visa Signature card.

What to watch out for

  • No signup bonus.

    Most cards come with a signup bonus once you meet certain spending criteria, but not this one.

  • No intro APR period.

    The card has a relatively low APR, especially if you’re on PCS or deployment. But you won’t get an intro APR period on balance transfers or purchases.

Compare military credit cards

Compare credit cards with similar rewards, or consider other cards with the best perks for service members. Some credit card providers offer benefits for military service members and their families, such as waived annual fees or reduced APRs.

Name Product Welcome offer Rewards Annual fee Filter values
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months, a value of up to $750 through Chase Ultimate Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95
Earn a signup bonus worth $750 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
Citi® Double Cash Card
N/A
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
$0
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
Chase Sapphire Reserve®
50,000 points after spending $4,000 in the first 3 months
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
$550
Get a generous $300 in annual travel credits, 3x points on travel and dining, and a 50% bonus on point redemptions with Chase's premier card.
CardMatch™ from creditcards.com
See terms
See terms
See terms
Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
Luxury Card Mastercard® Gold Card™
N/A
1x points on all purchases with 2% point value when you redeem for airfare or cash back
$995
Earn 2% point value when redeemed for airfare or cash back through the Luxury rewards program.
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Compare up to 4 providers

How does a balance transfer work with this card?

You can transfer balances of up to 95% of your available credit limit. USAA may refuse balances that exceed your credit limit. Balances that come from other USAA accounts will be denied.

It may take up to four business days for USAA to process balance transfers electronically. All other business transfers will likely take between seven to 10 business days.

The fee for each transfer is 3% of the transaction, with a maximum of $200. This makes balance transfers a bargain if your requested amount is more than $7,000.

What should I know before I apply?

In order to apply for the card, you must be a USAA member, US citizen or permanent resident and at least 18 years old.

You’ll also need to provide:

  • Full name and contact information
  • Marital status
  • Birthdate
  • Proof of employment and income

Who is eligible for a USAA membership?

  • Active military personnel. Individuals serving in the U.S. Air Force, Army, Coast Guard, Marines or Navy.
  • Former military personnel. Retired or separated from the US military with an honorable discharge.
  • Family members. Widows, widowers and unremarried former spouses of USAA members who joined USAA prior to or during the marriage and individuals whose parents joined USAA.
  • Cadets and midshipmen. Cadets and midshipmen at US service academies, advanced ROTC or on ROTC scholarship and officer candidates within 24 months of commissioning.

What credit score do I need?

Apply with a good to excellent credit score of 680 or higher. Applying with a better credit score will likely get you a higher credit limit and a lower APR.

USAA® Rewards™ Visa Signature® Card reviews and complaints

As of October 2020, USAA earns an A- rating from the Better Business Bureau (BBB), but it’s not yet accredited with the agency. 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.

As for the card, some complained about poor customer support, while others praised the low APR.

I got the card. Now what?

  • Download the USAA Mobile app. Use it to manage your account, pay your bills, find a nearby ATM and more.
  • Enroll in Apple Pay, Samsung Pay or Google Pay. Make payments through your phone.
  • Pay on time. You’ll pay up to a $35 fee for late payments.
  • Customer service. If you need help, call 210-531-USAA (8722) or 800-531-USAA, or chat online with a customer support representative.

Bottom line

If you’re affiliated with the military and looking for a card that earns rewards points on every purchase, the USAA® Rewards™ Visa Signature® Card could be an ideal solution. Aside from earning rewards, you’ll get a low APR on all balances during deployment or PCS, and you’ll get a special SCRA rate on all existing balances when you enter active duty.

You can also check out similar low APR or balance transfer credit cards to find the right one.

Frequently asked questions

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