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  1. Credit Cards
  2. USAA Rewards™ Visa Signature®
USAA

USAA Rewards™ Visa Signature®

The USAA Rewards Visa Signature is built for USAA members seeking straightforward cash-back rewards on everyday gas and dining. While its earning rates are modest, the card stands out by offering robust travel and purchase protections rarely found on a card with no annual fee.

Welcome Offer
$25
Annual Fee
$0
Rec. Credit Score
Good
Good For
USAA members seeking basic rewards
How to ApplyEstimate your value
USAA Rewards™ Visa Signature®

All information about USAA Rewards™ Visa Signature® has been collected independently by MaxRewards. USAA Rewards™ 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

Is the USAA Rewards™ Visa Signature® worth it?

This card is great for...

Everyday gas and dining spending

Built-in travel and purchase protections

Fee-free international travel

For USAA members who want a simple, fee-free card with reliable insurance protections, the USAA Rewards Visa Signature is a dependable option. Earning 2% cash back on gas and dining covers essential daily categories, while zero foreign transaction fees make it easy to use abroad. The real highlights are its built-in protections, such as cell phone insurance, trip cancellation coverage, and rental car coverage, which add meaningful value for a card without an annual fee.

That said, pure cash-back seekers can easily find higher returns elsewhere. Flat-rate cards that earn 2% back on all purchases will outperform this card for general spending. This card makes the most sense if you already bank with USAA and value comprehensive consumer protections over maximum rewards points.

MaxRewards

MaxRewards Verdict

This card is a great fit for USAA members who want strong travel and purchase protections alongside modest gas and dining rewards for no annual fee. Its main limitation is that flat-rate cash-back cards offer higher overall earning potential.

Welcome Offer

$25

after you spend $1 on purchases on your new card in your first 1 months of card membership.

Est. Value

$25

Required Spend

$1

Time Frame

1 Month

Est. Value

$25

Required Spend

$1

Time Frame

1 Month

Earning

Rewards

Earning centers on elevated cash back at restaurants and gas stations, with all other purchases earning at the standard base rate.

CategoryRate

Dining

2%

Gas

2%

Everywhere

1%

Benefits

Other

Auto Rental Collision Damage Waiver

Save money by saying no at the counter – reserve and pay for your rental car with your covered USAA credit card and get built-in auto rental coverage worldwide on rental periods up to 31 days. In your country of residence, this coverage is secondary to any other insurance or coverage available to you. 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.


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.


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.


Cell Phone Protection

When you charge your monthly cell phone bill to your USAA credit card, you can be reimbursed up to $500, in the event your eligible cell phone is stolen or damaged. This benefit is available if you are a valid cardholder of an eligible U.S. issued card enrolled in the Cellular Telephone Protection benefit and you charge your monthly cellular wireless phone bills to your eligible card for the billing cycle before the month in which the incident occurs.


Purchase Security

Safeguard your new item against theft or damage for the first 90 days from the date of purchase with Purchase Security available when you pay with your eligible account. Purchase Security protects new retail purchases made with your eligible credit card and/or rewards program associated with your covered credit card within the first 90 days from the date of purchase. This benefit replaces, repairs, or reimburses you up to $1,000 per claim and $10,000 per cardholder in the event of theft or damage.

Eligibility

Recommended Minimum Credit

Min: Good
Poor
Fair
Good
Excellent

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

Rates & Fees

Annual Fee

$0

Purchase APR

15.15% - 29.15%

Variable

Transfer APR

15.15% - 29.15%

Variable

Cash Advance APR

29.15%

Variable

Foreign Transaction Fee

None

Balance Transfer

$0.05

Cash Advance

$0.05

Late Payment

$35

Return Payment

$35

For rates and fees of USAA Rewards™ Visa Signature®, please visit the USAA website.

Table of Contents

USAA Rewards™ Visa Signature®

USAA Rewards™ Visa Signature®

How to Apply

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

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50,000 Points

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After you spend $3,000 on purchases on your new card in your first 3 months of card membership.

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Annual Fee

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Rec. Credit

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Rec. Credit

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Eagle Adapt™Eagle Adapt™

$200

After you spend $1,000 on purchases on your new card in your first 3 months of card membership.

  • 3%1%Everywhere

Annual Fee

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Rec. Credit

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