Get rewarded for everyday spending, and get 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 680 or higher.
|Product Name||USAA® Rewards(TM) Visa Signature® Card|
|APR (Annual Percentage Rate) for Purchases||11.65% to 27.65% variable|
|Balance Transfer Fee||3%|
|Cash Advance Rate||11.65% to 27.65% variable|
|Cash Advance Fee||3% of the cash advance amount|
|Foreign Transaction Fee||None|
|Interest Free Period||Up to 25 days|
|Late Payment Fee||Up to $35|
|Returned Payment Fee||Up to $35|
|Additional Cardholder Fee||$0|
|Minimum Age||18 years of age|
|Reward Value per Dollar||1 points|
|Rewards Points Expiry||Never|
Members of the US military who are looking for a credit card that will earn reward points — and will give them low APR during deployment or permanent change of station (PCS) — should check out this card.
You’ll earn more points for every dollar spent on gas and dining. You can redeem points for cash, merchandise, gift cards, travel or donate to your favorite military affiliate group.
Earn unlimited 2 points on dining and gas and 1x point on all other purchases. 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% APR on all balances for up to 12 months during deployment or PCS. After that, an APR of 11.65% to 27.65% variable will apply.
Special SCRA rate.
Receive a 4% 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.
Get added security and a 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 any other emergency need you may have. Also if your car breaks down, call 1-866-200-9866 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 Visa Signature card or Visa Platinum card?
It depends on the credit limit USAA will assign 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 card. If you want a signup bonus, you’ll need to look elsewhere.
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.
Consider other cards if …
You want higher cash back rewards.
Consider the Blue Cash Preferred® Card from American Express which lets you earn 6 back on grocery purchases up to $6,000 per year and 1% after that, 3 at gas stations and select department stores and 1 back on all other purchases.
Alternatively, get PenFed Power Cash Rewards Visa Signature® Card, which allows you to earn unlimited 1.5% back on all purchases or 2% back for PenFed Honors Advantage members. A similar 1% cashback card is the Citi® Double Cash Card.
You want low APR.
The Barclaycard Ring™ Mastercard® has one of the lowest APRs on purchases and balance transfers of 13.74%, plus you get a long intro APR period on balance transfers.
You want intro APR period.
Consider the Citi Simplicity® Card where you get one of the longest 0% intro APR periods on balance transfers and purchases of a full 18 months following your account opening. After that, a variable APR of 15.74% to 25.74% will apply.
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 7 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.
- Proof of employment and income.
If you’re affiliated with the military and looking for a card that earns rewards points on every purchase, the USAA® Rewards(TM) 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.