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.
Points as welcome offer
Up to 2x
9.9% to 25.9%
Purchase APR (variable)
|Product Name||USAA® Rewards™ Visa Signature® Card|
|Purchase APR||9.9% to 25.9% variable|
|Balance transfer APR||9.9% to 25.9% variable|
|Balance transfer fee||3%|
|Cash advance rate||9.9% to 25.9% 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|
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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
- 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.
- Log in to your USAA membership account and fill out your application form.
- 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.
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.
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.
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
- 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™ 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.