Credit Card Review & Application

USAA Rewards Visa Signature credit card


out of 5

- 10.40% to 26.40% based on your creditworthiness and other factors. This APRAnnual Percentage Rate will vary with the market based on the Prime Rate.
- No annual fee.
- Earn one point for every dollar spent on your everyday purchases.
- Get 2,500 bonus points with your first purchase.
- Earn points without a cap or expiration.Redeem your points for cash, merchandise, gift cards, travel or donate to your favorite military affiliate group.
- Redeem for cash on your mobile device - it's easy!
- Enjoy no foreign transaction fees when you travel outside of the United States.
- Membership eligibility and product restrictions apply and are subject to change.

Introductory APR: N/A*
Introductory Period: N/A
APR on Purchases: 10.40% to 26.40% (variable)*
Annual Fee: $0*
Card Issuer: USAA Bank
Card Network: VISA®
Card Category: Consumer (Premium)
Card Type: - Instant Decision Card
- Low Interest Credit Card
- Military Credit Card
- No Foreign Transaction Fee Credit Card
- Reward Card
Credit Needed: Good*

The USAA Rewards Visa Signature has made it easier for those who have served in the military to get a low interest credit card along with many unique rewards. There is no annual fee on the card and there is a flexibility available to make payments as one needs to based upon current finances. An online application is available, making it simple to apply for the card at any given time, 24/7.

The primary benefit of the card is the ability to earn points. With ever dollar charged to the card, a point is earned. There is no limit to how many points a cardholder can acquire in a year. The more that is earned, the more rewards are available. The rewards on the card include name-brand merchandise, cash, gift cards and travel. The travel features no black-out dates.

With the power of Signature Visa, it's easy to buy what's needed wherever one goes. It's the most widely accepted credit card in the world. Veterans can choose to use the card in another country, at home, on gas, at the store, on the phone or over the internet. It's also possible to get cash advances at the ATM machine, making it simple to get cash when necessary.

There are travel perks with the card as well. Cardholders get to enjoy free auto rental collision damage waivers when they book a rental car with the Visa. This saves money from having to get additional car insurance from the rental car company. There is also travel accident insurance automatically included when a trip is booked on the credit card.

Spending is easier. Many purchases are automatically covered with a Warranty Manager Service. This allows cardholders to get an extended warranty on many purchases, making many items last longer than they traditionally would - without having to purchase an extended warranty package from the manufacturer.

Online account tools are present to help cardholders as well. Managing money is simplified with online account access using a secure username and password. Cardholders can log in 24/7 to learn account balance, view statements, check out past transactions and even schedule a bill to be paid over the internet. All of these tools come at no extra cost - they are included as a benefit of having the credit card in hand.

Cardholders can also choose how they want to make payments. There's the ability to make smaller payments each month or to pay the balance in full at the end of each billing statement. The latter choice makes it possible to avoid interest fees.

The review prepared by . Opinions expressed therein are solely those of the reviewer.

Reward Types: - Other Rewards Cards
- World Points Reward Cards
Reward Unit: Point
Rewards: - 2,500 Bonus Points after your first purchase
- 1 point for every dollar in purchases
- Redeem your USAA Rewards points towards cash, gift cards, name brand merchandise and travel with no blackout date.
Expiration: None*
Yearly Limit: None
Other Benefits: - Collision damage waiver
- Identity theft resolutions services
- Extended warranty
- Chip card technology

Special Military Benefits:
- Deployment/PCS rate
- Special 4% SCRA rate
- Military Campaign Benefits
- Help during deployment

*See Terms and Condition for more benefits
Comments: * - Credit Needed: Good 700-739 & Excellent 740+
** - There is a transaction fee of 3% on balance transfers and cash advances ($200 maximum on each balance transfer and each convenience check). Cash Advance Fee is waived when you transfer funds electronically from your USAA credit card to your USAA Bank deposit account. The APR will vary with the market based on the Prime Rate.
Online Account Access: Yes
Introductory APR: N/A*
Introductory Period: N/A*
APR on Purchases: 10.40% to 26.40% (variable)*
Annual Fee: $0*
Grace Period: 25 days*
Late Payment Fee: $35.00*
Balance Transfer: Yes
Maximum Fee: $200.00

We do not offer online application for this card at the moment.

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† The information provided for USAA Rewards™ Visa Signature® credit card is believed to be accurate at the time of evaluation (Apr 30, 2017). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.

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