Wounded Warrior Project USAA Rewards Credit Card | finder.com

Wounded Warrior Project USAA Rewards™ Credit Card review – July 2018

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A good choice if you support the Wounded Warrior Project or are about to go into active military duty.

30-second take

  • Get this card if you want a special interest rate for deployment or permanent change of station.
  • Pick something else if you want a card that offers a top-of-the-line signup bonus, cash back rate and 0% interest period.
  • Apply with a good to excellent credit score of 680 or higher.
Product NameWounded Warrior Project USAA Rewards™ Credit Card
Annual Fee$0
APR (Annual Percentage Rate) for Purchases12.65% to 27.65% variable
Introductory Balance Transfer APR 0% for the first 12 months (then 12.65% to 27.65% variable)
Balance Transfer Fee3%
Cash Advance Rate12.65% to 27.65% variable
Cash Advance Fee$3 or 3% of the cash advance amount, whichever is greater
Foreign Transaction Fee
Interest Free PeriodUp to 25 days
Minimum Interest$0
Late Payment Fee$35
Returned Payment Fee$35
Additional Cardholder Fee$0
Minimum Age18 years of age

Our review

The Wounded Warrior Project USAA Rewards™ Credit Card comes with $0 annual fee, and it offers a decent balance transfer promotion of 0% APR for 12 months.

However, you’ll receive just 1x points on all purchases, which is equivalent to 1% cash back. Meanwhile, there are cards that offer 1.5% and 2% cash back, such as the U.S. Bank Cash 365™ American Express® Card and Citi® Double Cash Card.

Other cards also come with better signup bonuses. The Wounded Warrior Project USAA Rewards™ Credit Card offers 2,500 points — worth $25 — while you’ll find cards that offer $150 bonus cash, like the BankAmericard Cash Rewards or U.S. Bank Cash 365™ American Express® Card.

Why you should get the Wounded Warrior Project USAA Rewards™ Credit Card?

There are two key reasons you might give this card a serious look:

  • You’re a passionate supporter of the Wounded Warrior Project. Each time you make an eligible purchase, USAA will make a donation to the organization.
  • You are being deployed or have received a permanent change of station (PCS) order. You’ll receive a special interest rate of 4% APR for 12 months.

Bottom line: The Wounded Warrior Project USAA Rewards™ Credit Card isn’t the most powerful product. But it’s carved out a unique position in the market, and it could be the perfect card for you depending on your interests and deployment status.

The perks

    $0 annual fee makes it easy to keep the Wounded Warrior Project USAA Rewards™ Credit Card long term.

    Earn points on every purchase.

You’ll earn 1 point per dollar you spend on all purchases. Redeem points for:

  • 1% cash back.
  • Travel, gift cards and merchandise.
  • Reward donations to a military affiliate group.

It’s nice to have rewards, but you’ll earn more with other cards. For example, the Citi® Double Cash Card offers 2% cash back on all purchases.

  • Donations to the Wounded Warrior Project.

    You can support the Wounded Warrior Project (WWP) with this card.

When you …USAA will donate this amount to Wounded Warrior Project
Open your credit card$5
Renew your card$1
Use your card for a purchase0.30% of the transaction amount
  • Special interest rate for deployment and active duty.

    USAA offers a special interest rate depending on your deployment status.

  • Deployment/Permanent Change of Station (PCS) rate: Get 4% APR on all balances for up to 12 months during deployment or PCS.
  • Servicemembers Civil Relief Act (SCRA) rate: If you have a balance on your account when you enter active military duty, you’ll get 4% APR on it until one year after you complete active duty.

The average APR is around 16%, so 4% APR is a great deal. It can be especially useful if you need to make a big purchase now and pay for it over time.

You’ll also like …

    2,500 points after your first purchase.

    A signup bonus of 2,500 points is worth $25 cash back. You’ll find better signup bonuses with cards like the U.S. Bank Cash 365™ American Express® Card and Bank of America® Cash Rewards credit card, which each offers $150 bonus cash.

    To be fair, the USAA card’s signup bonus is easy to obtain: Just use your card for the first time.

  • Potentially low APR.

    Depending on your credit score, you may qualify for a regular APR as low as 12.65%.

Other benefits

  • 0% foreign transaction fees.
  • penalty APR.
  • $0 over-the-credit-limit fee.
  • Concierge services to assist you with your travel or big-ticket purchases.
  • Car rental coverage.
  • Extended warranties on products you buy with your card.
  • Travel accident insurance.

Compare balance transfer credit cards

Updated July 23rd, 2018
Name Product Introductory Balance Transfer APR APR (Annual Percentage Rate) for Purchases Annual Fee Minimum Credit Score
0% for the first 15 months (then 14.74%, 18.74% or 24.74% variable)
14.74%, 18.74% or 24.74% variable
Fair (660-699)
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees
0% for the first 18 months from account opening (then 12.74%, 16.74% or 20.74% variable)
12.74%, 16.74% or 20.74% variable
Fair (660-699)
An 18-month 0% Intro APR period on both purchases and balance transfers, plus zero foreign transaction fees, makes this is a strong well-rounded card. See Rates and Fees
0% for the first 15 billing cycles (then 16.74% variable)
16.74% variable
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
0% for the first 15 billing cycles (then 16.74% variable)
16.74% variable
Good (700-739)
Mastercard Black Card members receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
0% for the first 15 months (then 16.74% to 25.49% variable)
16.74% to 25.49% variable
Fair (660-699)
Jumpstart your financial fitness! 60 day introductory balance transfer offer, save on interest, and get your free monthly credit score.
0% for the first 15 statement closing dates (then 14.74% to 24.74% variable)
14.74% to 24.74% variable
Fair (660-699)
Transfer high rate balances and save on interest with an Introductory $0 balance transfer fee for the first 60 days your account is open. After that, the fee for future balance transfers is 3% (min. $10).
0% for the first 15 months (then 14.74% to 25.74% variable)
14.74% to 25.74% variable
Fair (660-699)
Earn $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $150 back in the form of a statement credit.
0% for the first 15 months (then 16.74% to 25.49% variable)
16.74% to 25.49% variable
Fair (660-699)
Earn unlimited 1.5% cash back on every purchase - it's automatic. No minimum to redeem for cash back.
0% for the first 12 statement closing dates (then 14.99% to 24.99% variable)
14.99% to 24.99% variable
Good (700-739)
Earn more cash back for the things you buy most.
NASA Federal Platinum Advantage Rewards Credit Card
NASA Federal Platinum Advantage Rewards Credit Card
9.9% for the first 90 days (then 11.65% to 17.99% variable)
11.65% to 17.99% variable
Fair (660-699)
Enjoy perks and save money while gaining points that never expire with every purchase.
13.25% variable
Poor (Below 660)
A great way to establish or improve your credit history.
10.74% variable
Good (700-739)
A low, variable APR on purchases, balance transfers and cash advances.
10.99% for the first 6 months (then 24.74% variable)
24.74% variable
Poor (Below 660)
2% Cashback at restaurants or gas stations on up to $1,000 in combined purchases each quarter. Plus 1% cash back on all other credit card purchases.
25.74% variable
Poor (Below 660)
Build, or rebuild, your credit with each purchase.

Compare up to 4 providers

How does a balance transfer work with this card?

What to watch out for

  • Potentially high APR.

If you have a weaker credit history, you may be given an interest rate up to 27.65%.
How does credit card interest work?

What to know before you apply

To apply for the Wounded Warrior Project USAA Rewards™ Credit Card, you must be a US citizen or permanent resident and at least 18 years old.

You must be a member of USAA. You’re eligible if you serve in the military or have previously served. You may also qualify through other means, such as if your spouse served in the military or is a USAA member.

Information you’ll need

  • Your full name and contact information.
  • Your residential status.
  • Your annual income, source of income and employment information.
  • Your Social Security number.

What credit score do I need?

You’ll have a better chance of being approved for this card if you apply with a good to excellent credit score of 680 to 850.
What’s a good credit score?

How to apply for the Wounded Warrior Project USAA Rewards™ Credit Card

1. Go to the USAA website and click Apply Now. Then click USAA Rewards Visa.

2. Select whether you’re a USAA member. If you are, you’ll be asked to enter your login credentials. If you’re not, you can sign up to become one as long as you meet the eligibility requirements.

3. Complete the application with details like your name, address, annual income and Social Security number.

4. Review and submit your application.

How long will it take to be approved?

Typically, USAA will send you a decision within five to seven days. If there are issues with your application, however, it may take up to several weeks to hear back.

I got the card. Now what?

  • Make timely payments. Pay your card bill online at the USAA website, where you can enroll in autopay.
  • Avoid interest. After the close of each billing cycle, you have a grace period of at least 25 days to pay your balance. If you do, you won’t pay interest on your purchases.
  • Avoid fees. Late and returned payments come with fees of up to $35. Balance transfers and cash advances also come with fees.
  • Contact customer service. If you have questions, call USAA at 800-531-8722.

Bottom line

The Wounded Warrior Project USAA Rewards™ Credit Card is overpowered by other cards on the market, but it still offers solid benefits. It’s also a good choice if you want to support the Wounded Warrior Project through your spending.

If you’re about to go into active military duty, the card may be an especially good choice as you’ll receive 4% APR for a year.

Want to compare other options? Visit our comprehensive guide to credit cards to find one that better suits your needs.

Frequently asked questions

Images: usaa.com

Kevin Joey Chen

Kevin Chen is a world-travelin', copy-writin', Game of Thrones-watchin' credit cards writer for finder.com. When he's not crunching the numbers on bonus points and comparing APRs, you can find him flying around the world in search of the perfect beer.

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