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USAA® Rewards™ Visa Signature® Card review

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.

2x points on gas and dining and 1x points on all other purchases



Annual fee

9.9% to 25.9% variable

Purchase APR


Minimum Credit Score


Annual fee$0
Welcome offer2,500 points with your first purchase
Rewards2x points on gas and dining and 1x points on all other purchases
Purchase APR9.9% to 25.9% variable
Balance transfer APR9.9% to 25.9% variable
Minimum Credit Score670

Review by

Kliment Dukovski is an investments writer who has written over 600 articles to help readers find and compare the best financial options. 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 hit 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
The Platinum Card® from American Express
100,000 points after spending $6,000 in your first 6 months
5x points on prepaid hotels booked with American Express Travel, 5x points on directly-booked flights on up to $500,000 annually, then 1x points after that and on other eligible purchases
100,000 points after spending $6,000 in your first 6 months. Terms apply, see rates & fees
Chase Sapphire Reserve®
50,000 points after spending $4,000 in the first 3 months, a value of up to $750 through Chase Ultimate Rewards.
5x points on flights and 10x points on hotels and car rentals through Chase Ultimate Rewards, 3x points on other travel after earning your $300 travel credit, 10x points on Lyft rides, 10x points on Chase Dining through Ultimate Rewards, 3x points on other dining and 1x points on all other purchases
Earn a huge signup bonus worth $750 toward travel when redeemed through Chase Ultimate Rewards with Chase’s premier card.
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months.
5x points on travel through Chase Ultimate Rewards, 3x points on dining and 2x points on all other travel purchases
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards.

Compare up to 4 providers

How does a balance transfer work with this card?

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.

Or, check out similar low APR or balance transfer credit cards to find the right one.

Frequently asked questions

How do I redeem rewards?

View and redeem your points at any time either by accessing the USAA Rewards Service Center online or by phone at 800-980-8722.

For cruise travel rewards, call Member Travel Privileges at 800-571-4208.

Which airlines allow me to redeem my points for tickets?

You can only redeem points for airline tickets that can be booked through the USAA Rewards Service Center.

What if my points aren’t enough for a plane ticket?

Put whatever points you have toward a ticket, then you’ll have to pay the difference with your credit card.

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