30,000 Points
Worth $300
After you spend $3,000 on purchases on your new card in your first 3 months of card membership.
- 3%Travel
- 2%Everywhere
Annual Fee
$95
Rec. Credit
Good
This card is built for eligible military-affiliated cardholders who want a simple no-annual-fee Visa and care more about basic travel protections than bonus categories. It works better as a straightforward everyday card or backup travel card than as a serious rewards earner.

All information about USAA Military Affiliate Visa Signature has been collected independently by MaxRewards. USAA Military Affiliate Visa Signature is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
No-fee international spending
Basic travel protections
Simple everyday purchases
For the right USAA member, this card makes sense as a low-maintenance option with no annual fee, no foreign transaction fee, and a useful set of built-in travel and purchase protections. If you occasionally travel, rent cars, or want a card you can use abroad without extra fees, those features give it more practical value than its rewards rate alone suggests.
Where it falls short is earning power. At 1% back in points on purchases, it is not a strong choice for anyone trying to maximize everyday spending. Most readers who want meaningful rewards will do better with another no-annual-fee card. This one is worth it if your priority is keeping things simple and getting solid Visa protections through USAA, not if you are choosing a card mainly for rewards.

A sensible fit for USAA members who want a no-fee card with no foreign transaction fee and useful travel coverage. Its main limitation is straightforward: the rewards rate is modest, so it is hard to recommend as a primary spending card for points or cash back.
Earning
The rewards structure is very simple: you earn USAA points at a flat 1% rate on purchases. That makes this section easy to read, but it also means the card's value comes more from convenience and protections than from high ongoing rewards.
Everywhere
Rewards percent based on a valuation of 1¢ per USAA point
Benefits
Travel and Emergency Assistance
If you experience an illness or emergency, while traveling or working anywhere in the world, call the benefits center for help, 24/7. You can also get medical and legal referrals, prescription assistance, travel planning and other services. You can access key resources when you’re away from home or planning a trip. Get assistance with emergency transportation, translations and relaying emergency messages to family members. Also, you can receive information on refilling prescriptions, locating lost luggage, speaking to an attorney and replacing travel documents.
Auto Rental Collision Damage Waiver
Reserve and pay for your rental car with your credit card to get 31 days of protection worldwide. Save money by saying no at the counter — rent with your covered USAA credit card and get built-in auto rental coverage. When you use your USAA credit card to rent a vehicle, you’ll get built-in Auto Rental Coverage. You’re covered for physical damage, theft, reasonable and customary towing and loss-of-use charges. Decline the collision damage waiver coverage offered by the rental agency and make sure your name is listed as the primary renter on the auto rental contract. Any additional drivers must also be listed on the auto rental agreement.
Trip Cancellation and Interruption
You’re covered for up to $1,500 per covered person, for non-refundable prepaid passenger fare, when your travel is interrupted or canceled. This coverage is available when you buy your ticket with your card. If your travel is canceled or interrupted, you may be reimbursed for your non-refundable prepaid passenger fare. The cancellation must be due to a covered reason, such as an illness or accident affecting you or another family member that prevents you from traveling, or a change in military orders.
Identity Theft Resolution Services
If you’re the victim of identity theft, you’ll have access to a range of resolution services. Specialists are ready to respond — from notifying credit bureaus to replacing your card. The service acts on your behalf, by helping place a fraud alert with three major credit bureaus. Specialists can also help you dispute inaccurate information due to fraud, replace credit or debit cards, and more. Assistance is available until your case is resolved.
Travel Accident Insurance
When you purchase your travel ticket with your USAA card, you are eligible to receive coverage for loss of life or limb. This coverage applies to air travel, ferry, cruise ship, train or bus transportation. Travel Accident Insurance may offer coverage if you suffer loss of: life, limb, hearing, speech or sight. It provides benefit amounts of up to $500,000, depending on the loss. Be covered during courtesy ground transportation to and from the airport (or train depot, bus terminal, etc.) as well as between terminals and while you are at the airport — immediately before departure or immediately after arrival on any covered trip.
Eligibility
Good credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Annual Fee
$0
Transfer APR
10.90% - 25.90%
Variable
Cash Advance APR
25.90%
Variable
Foreign Transaction Fee
None
Balance Transfer
$0.03
Cash Advance
$0.03
Late Payment
$35
Return Payment
$35
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
30,000 Points
Worth $300
After you spend $3,000 on purchases on your new card in your first 3 months of card membership.
Annual Fee
$95
Rec. Credit
Good
2,500 Points
Worth $25
After you spend $1 on purchases on your new card in your first 1 months of card membership.
Annual Fee
$0
Rec. Credit
Good
2,500 Points
Worth $25
After you spend $1 on purchases on your new card in your first 1 months of card membership.
Annual Fee
$0
Rec. Credit
Good