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Wounded Warrior Project USAA Rewards™ Visa Signature Card review

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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.

2,500

Points as welcome offer

Up to 1x

Points

$0

Annual fee

10.9% to 25.9%

Purchase APR (variable)

Details

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, banking and investments writer whose work and analysis have appeared on CNN, U.S. News & World Report, Business.com, Lifehacker and CreditCards.com. He's passionate about helping you get your finances in order by expertly navigating cutting-edge financial tools — including credit cards, apps and budgeting software.

Expert review

The Wounded Warrior Project USAA Rewards™ Visa Signature Card is an unsecured card that comes with a $0 annual fee, as well as a decent intro APR on balance transfers.

Unfortunately, its rewards are weak — a mere 1x points on every purchase that translates to a 1% rewards rate. Meanwhile, you can find a 1.5% rewards rate with many no-annual-fee credit cards. And you’ll earn only 2,500 points as a signup bonus after your first purchase, worth a mere $25 when redeemed for cash back.

The mediocre rewards alone are a good reason to avoid this card. But you might still find the card valuable due to the Servicemembers Civil Relief Act interest rate, which you may qualify for upon request if you have a balance as you enter military service. You may also simply want a card to show your support for the Wounded Warrior Project.

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.

Card benefits

  • 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.

  • SCRA rate.

    If you have a balance when you enter active military duty, you may qualify for a 4% fixed promo APR on it upon request 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.

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

The main reason to give this card a serious look is if 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.

USAA previously offered a deployment and permanent change of station (PCS) interest rate, but its terms no longer list this benefit as of this writing.

Luckily, the bank still offers Servicemembers Civil Relief Act (SCRA) interest rate benefits as mentioned above. If you qualify, you’ll receive a lower rate than the one mandated by the government.

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
Citi® Diamond Preferred® Card
0% intro for the first 18 months (then 14.74% to 24.74% variable)
$5 or 3% of the transaction, whichever is greater
740
An impressive 18 months intro APR on balance transfers and purchases, as well as no annual fee make this one of the top 0% APR cards available.
Citi® Double Cash Card
0% intro for the first 18 months (then 13.99% to 23.99% variable)
$5 or 3% of the transaction, whichever is greater
740
Get a strong 18 month 0% intro APR on balance transfers AND up to 2% back. This is a rare card that offers both rewards and balance transfers.
TD Cash Credit Card
0% intro for the first 15 months (then 12.99%, 17.99% or 22.99% variable)
$5 or 3% of the transaction, whichever is greater
680
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 creditcards.com
See issuer's website
300
Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
Citi Rewards+℠ Card
0% intro for the first 15 months (then 13.49% to 23.49% variable)
$5 or 3% of the transaction, whichever is greater
740
Get a strong 15 month 0% intro APR on balance transfers AND up to 2x points. This is a rare card that offers both rewards and balance transfers.
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Compare up to 4 providers

How does a balance transfer work with this card?

  1. Apply for the card.
    You can make a balance transfer when you open your credit card. If you don’t want to, you can request one later. Just note that in order to take advantage of the intro APR period you’ll need to request the transfer in the first three months from opening your account.To make a balance transfer, you’ll need the account number of your existing balance. You’ll also need personal information like your income, employment details and Social Security number.For each transfer, you’ll pay a fee of 3% of the transaction amount, with a maximum fee of $200.
  2. Make a note of your balance transfer time limits.
    USAA Bank offers a 0% intro APR for 12 months following your account opening, but only on transfers you make within the first three months of card membership. Balance transfers you make after that time will be subject to an APR between 10.9% to 25.9% variable.If you’re unsure whether your balance transfer will qualify for the introductory APR, contact USAA support.
  3. Keep track of your balance transfer details.
    If your balance transfer qualifies, you’ll enjoy a 0% intro APR on the balance for 12 months following your account opening.This is an introductory APR. As long as you pay off the balance within 12 months, you won’t pay interest on it. If you still have a balance after that time, however, it’ll accrue interest at an APR between 10.9% to 25.9% variable.

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.

Wounded Warrior Project USAA Rewards™ Visa Signature Card reviews and complaints

USAA is not accredited with the Better Business Bureau, but it earns an A- rating from the agency as of October 2020. 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.

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

Images: usaa.com

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