USAA Rewards Visa Signature Credit Card review | finder.com

USAA® Rewards™ Visa Signature® Card review

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USAA® Rewards™ Visa Signature® Card

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.
Product NameUSAA® Rewards™ Visa Signature® Card
Card TypeVisa
Annual Fee$0
Standard Purchase APR12.15% to 28.15% variable
Intro Purchase APR

N/A

Standard Balance Transfer APR12.15% to 28.15% variable
Intro Balance Transfer APR

N/A

Balance Transfer Fee3%
Cash Advance Rate12.15% to 28.15% 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
Minimum Age18 years of age
Welcome Offer2,500 bonus points with your first purchase
Rewards2x points on gas and dining and 1x points on all other purchases
Base Rewards1x points

The basics

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.

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 12.15% to 28.15% 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 credit cards for military members

Compare credit cards with similar rewards, or consider other cards with 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
$100 after spending $1,500 in the first 90 days
2% cash back for all PenFed Honors Advantage members and 1.5% cash back on all purchases
$0
2% cash back for all PenFed Honors Advantage members and 1.5% cash back on all purchases made with your card.
$100 after spending $1,500 in the first 90 days
5x points on gas at the pump, 3x points on groceries and 1x points on all other purchases
$0
Earn 5x points on gas at the pump and 3x points on groceries. Earn 1x points on all other purchases.
$100 bonus after spending $1,500 in the first 90 days
N/A
$0
Low APR on all purchases including cash advances.
$100 after spending $1,500 in the first 90 days
N/A
$0
Earn a $100 bonus after spending $1,500 on purchases in the first 90 days from account opening.
25,000 points after spending $2,500 in the first 90 days
3x points on travel or 4x points if you’re a PenFed Honors Advantage member and 1.5x points on all other purchases
$0
25,000 bonus points when you spend $2,500 in the first 90 days from account opening.

Compare up to 4 providers

Updated June 20th, 2019
Name Product Welcome Offer Rewards Annual Fee Filter values
$150 after spending $1,000 in the first 3 months
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
75,000 points after spending $1,000 in the first 3 months
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
$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
3% cash back bonus on up to $10,000 in the first 12 months, then 1.5%
3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases
$0
Earn 3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases. See Rates and Fees.
$150 after spending $1,000 in the first 3 months
1.5% cash back on all purchases
$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
60,000 points after spending $5,000 in your first 3 months
5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases
$550
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & fees

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.

What do customers say about the USAA® Rewards™ Visa Signature® Card?

The Better Business Bureau rates USAA with an A+, but it hasn’t accredited the financial institution yet. Most customer complaints at BBB have been about false advertising and issues with the insurance department.

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

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.

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.

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