Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

Wounded Warrior Project USAA Rewards™ Visa Signature Card review

Last updated:  

Support the Wounded Warrior Project while enjoying rewards and an intro APR on balance transfers.

  • Get this card if you are a supporter of the Wounded Warrior Project or are going into active duty.
  • Pick something else if you want powerful rewards or a market-leading intro APR.
  • Apply with a good to excellent credit score of 670 or higher.


Points as welcome offer

Up to 1x



Annual fee

10.9% to 25.9%

Purchase APR (variable)


Product NameWounded Warrior Project USAA Rewards™ Visa Signature Card
Card typeVisa
Annual fee$0
Purchase APR10.9% to 25.9% variable
Balance transfer APR0% intro for the first 12 months (then 10.9% to 25.9% variable)
Balance transfer fee3%
Cash advance rate12.4% to 27.4% 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

Expert review

Kevin Joey Chen

Review by

Kevin Joey Chen is a credit cards writer whose work and analysis have appeared on CNN, U.S. News & World Report, The Dallas Morning News, Lifehacker and He's passionate about helping you get your finances in order and expertly navigate the cutting-edge financial tools available -- including credit cards, apps and budgeting software.

Expert review

The Wounded Warrior Project USAA Rewards™ Visa Signature Card comes with a $0 annual fee, and it offers a decent intro APR on balance transfers.

However, you’ll receive just 1x points on all purchases, which is equivalent to 1% cash back. Meanwhile, there are many cards that offer 1.5% cash back and more. You’ll also find better signup bonuses elsewhere — it’s not uncommon to find cards offering $150 in bonus cash.

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

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

  • You’re a passionate supporter of the Wounded Warrior Project. The Wounded Warrior Project logo will be emblazoned on your card to help you show your support for the organization.
  • You’re being deployed or have received a permanent change of station (PCS) order. You’ll receive a special interest rate of 4% fixed APR for 12 months on all balances. After that, your APR for all balances will be 10.9% to 25.9% variable.

The Wounded Warrior Project USAA Rewards™ Visa Signature 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

  • Annual fee: $0.

    Almost all USAA cards have $0 annual fees, including the Wounded Warrior Project USAA Rewards™ Visa Signature Card.

  • Signup bonus: 2,500 bonus points.

    To earn the signup bonus, simply make your first purchase. It’s worth $25 when you redeem it for cash back.

    A $25 signup bonus is low compared to what you’ll earn from the competition. Many no-annual-fee cards offer signup bonuses worth $150. Still, the USAA signup bonus is very easy to obtain.

  • Rewards: Flat rewards on all purchases.

    Earn 1x points on every purchase, with no cap. Redeem points for rewards like 1% cash back, travel, merchandise, charitable donations and gift cards.

    You may find this rewards rate to be below average. For no-annual-fee cards, a 1.5% rewards rate is common.

  • Intro APR: 0% for 12 months following your account opening on balance transfers and convenience checks that post to your account within the first three months of card membership.

    After that, your balance transfer APR will be 10.9% to 25.9% variable. This is a solid balance transfer promotion, though many cards offer a 0% intro APR on balance transfers for 15 or more months.

You’ll also like …

  • Deployment and PCS rate.

    Receive a special interest rate of 1x points on all purchases when you’re on deployment or PCS. After that, receive an ongoing APR on all balances of 10.9% to 25.9% variable.

    This rate, in addition to the SCRA rate, is one of the reasons USAA is a popular choice for military personnel. Federal law requires providers to reduce credit card interest only to 6% APR for active-duty service members.

  • SCRA rate.

    If you have a balance when you enter active military duty, you’ll receive a 4% fixed promo APR on it until one year after you complete active duty. After that, receive an ongoing APR on all balances of 10.9% to 25.9% variable.

  • No foreign transaction fees.

    Use your card abroad and on foreign websites, and avoid the 3% fee that most providers charge. This makes the Wounded Warrior Project USAA Rewards™ Visa Signature Card a great choice to bring on vacation.

What to watch out for

  • Potentially high APR.

    If you have a weaker credit history, you may receive an APR on all balances as high as 25.9% variable. This is a very high APR, considering the average is around 16%.

  • Balance transfer fees.

    Each balance transfer will cost 3% of the transaction amount, with a maximum fee of $200. This means a transfer of $4,000 would cost $120.

Compare balance transfer credit cards

Data indicated here is updated regularly
Name Product Amount saved Balance transfer APR Balance transfer fee Recommended minimum credit score Filter values
TD Cash Credit Card
0% intro for the first 15 billing cycles (then 12.99%, 17.99% or 22.99% variable)
$5 or 3% of the transaction, whichever is greater
3% on dining and 2% on groceries make this a valuable card for food purchases. Use it while traveling, too, with no foreign transaction fees. Available in: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT
CardMatch™ from
See issuer's website
Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
Luxury Card Mastercard® Titanium Card™
0% intro for the first 15 billing cycles (then 14.99% variable)
$5 or 3% of the transaction, whichever is greater
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
Luxury Card Mastercard® Black Card™
0% intro for the first 15 billing cycles (then 14.99% variable)
$5 or 3% of the transaction, whichever is greater
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
Charity Charge World Mastercard® Credit Card
1.99% intro for the first 6 monthly billing cycles (then 16.24% to 22.24% variable)
$10 or 5% of the transaction, whichever is greater
1% cash back to the nonprofits, K-12 schools, colleges and religious organizations of your choice.

Compare up to 4 providers

How does a balance transfer work with this card?

What should I know before I apply?

To apply for the Wounded Warrior Project USAA Rewards™ Visa Signature Card, you must be:

  • At least 18 years old.
  • A citizen or permanent resident of the United States.
  • A member of USAA. You may join if you’re affiliated with the military or have a family member who is.

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 670 to 850.

Here are a few other factors that might affect your odds of approval:

  • Hard pulls on your credit report. If you have several hard inquiries — or hard pulls — on your report, it could imply you’re having trouble managing your debt. USAA might think you’re desperate for credit and may be less likely to take you on as a customer.
  • Factors that tie into your credit score. Your credit utilization is a major factor USAA considers. The bank prefers a customer with low balances relative to their credit limit. Having many new card accounts may be a red flag too, as it could indicate you’re desperate for credit. It may also give the impression that you’re a flighty customer who’s just hunting for signup bonuses.

What do customers say about the Wounded Warrior Project USAA Rewards™ Visa Signature Card?

USAA is not accredited with the Better Business Bureau, but it earns an A+ rating from the agency. As of this writing, 92% of its reviews are negative, and it has over 300 customer complaints. USAA customers report unexpected changes to reward balances and a complicated customer service process.

The company earns a Trustpilot score of 3.6 out of 10. 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.

How to apply for the Wounded Warrior Project USAA Rewards™ Visa Signature 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 a few business days up to a few weeks to hear back.

Once approved, expect your card to arrive in the mail within seven to 10 business days.

I got the card. Now what?

  • Make payments on time. Register for an account on the USAA website to pay your balance online. You can also 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. For each late payment, you’ll incur a fee of up to $35. Balance transfers and cash advances also carry fees.
  • Contact customer service. If you have questions about your account, call the number on the back of your card. Alternatively, call 1-800-531-8722 for the Banking Services line.

Bottom line

Other cards may bring more firepower to the table, but the Wounded Warrior Project USAA Rewards™ Visa Signature Card offers the chance to support a military organization. And if you’re an active-duty military member, you may benefit from USAA’s special interest rates.

Not sure if the Wounded Warrior Project USAA Rewards™ Visa Signature Card is right for you? Compare USAA’s other strong products, including cards with solid rewards.

Frequently asked questions


Ask an expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • 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 only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.
Go to site