USAA Rewards Visa Signature Credit Card review | finder.com

USAA® Rewards™ Visa Signature® Card review

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

USAA® Rewards™ Visa Signature® Card

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

30-second take

  • 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 NameUSAA® Rewards™ Visa Signature® Card
Card TypeVisa
Annual Fee$0
APR (Annual Percentage Rate) for Purchases11.9% to 27.9% variable
Introductory Purchase APR

N/A

Balance Transfer APR11.9% to 27.9% variable
Introductory Balance Transfer APR

N/A

Balance Transfer Fee3%
Cash Advance Rate11.9% to 27.9% variable
Foreign Transaction FeeNone
Cash Advance Fee3% of the cash advance amount
Cash Advance Fee DescriptionFee waived when transferring funds electronically to a USAA deposit account
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 OfferEarn 2,500 points after your first purchase
Reward Value per Dollar1x points
Rewards Points ExpirationNever

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% APR on all balances for up to 12 months during deployment or PCS. After that, an APR of 11.9% to 27.9% 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.

  • 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 similar low APR credit cards

Name Product Annual Fee Introductory Purchase APR APR (Annual Percentage Rate) for Purchases
$0

N/A

14.24% variable
A low, variable APR on purchases, balance transfers and cash advances.
$0
0% for the first 15 months (then 15.24% to 26.24% variable)
15.24% to 26.24% variable
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$95
0% for the first 12 months (then 15.24% to 26.24% variable)
15.24% to 26.24% variable
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
0% for the first 15 months (then 15.24% to 26.24% variable)
15.24% to 26.24% variable
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
$550

N/A

None (Charge Card)
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.

Frequently asked questions

Kliment Dukovski

Kliment Dukovski is a writer who specializes in global financial markets and personal finance, with a focus on credit cards. His main goal is to deliver honest and accurate information to help you make the right financial decision. When he's not writing about finance-related subjects, he writes sci-fi stories.

Was this content helpful to you? No  Yes

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 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