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USAA® Rewards™ Visa Signature® Card card

USAA® Rewards™ Visa Signature® Card

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

Annual fee
None
Recommended credit
Excellent / Good
Card network
Visa
Regular purchase APR
14.9% to 30.9% variable based on creditworthiness
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Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

At a glance

The USAA® Rewards™ Visa Signature® Card is the ideal rewards credit card for anyone looking to receive rewards points based on their gas and dining purchases. These rewards points can eventually be redeemed for great perks, such as plane tickets, cruises, cash, or gift cards.

Our review of the USAA® Rewards™ Visa Signature® Card

The USAA Rewards Visa Signature Card is a top choice for military members and their families seeking a credit card with a great rewards program and low rates. With no annual fee, cardholders can enjoy earning points on their everyday purchases.

Decent Rewards Program

Cardholders can earn 2X points on gas and dining purchases and 1X on all other purchases with the Rewards Visa Signature Card. There is no limit to the number of points that can be earned, and points never expire. New accounts can also benefit from a 2,500 bonus points offer after making their first purchase.

Rewards points can be redeemed for cash, air travel, cruises, gift cards, and more, making it a versatile rewards program for cardholders.

Highly Competitive APR

The USAA Rewards Visa Signature Card offers a highly competitive interest rate on balance transfers and purchases, especially for those with excellent credit scores. The APR is well below the national average for rewards cards, making it a cost-effective option for cardholders.

Visa Signature Benefits

In addition to the basic Visa protections and perks, the Rewards Visa Signature Card also offers additional benefits such as extended warranty coverage, travel and emergency assistance, concierge service, and access to the Visa Luxury Hotel Collection.

Other features of the card include no annual fees, no foreign transaction fees, and no penalty APR, making it a convenient and low-cost credit card option.

Special Military APR

USAA provides a special fixed APR for military members on active duty, deployment, or permanent station change. Cardholders can enjoy a 4% APR on balances owed during active duty, with the offer extending until the balance is paid off or until the first anniversary of ending active duty.

The special APR also applies to existing balances for up to 12 months in the event of deployment or a permanent station change.

Is the USAA Rewards Visa Signature Card Right for You?

Overall, the USAA Rewards Visa Signature Card is a solid choice for military members and their families looking for a rewards credit card with excellent benefits and low rates. With a competitive APR, generous rewards program, and special benefits for military members, this card is a valuable financial tool for those serving in the military.

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • 2X points on dining and gas, 1X points on all other purchases
  • Get free collision damage waiver coverage to pay for physical damage and theft to most vehicle rentals
  • Extend your manufacturer's or U.S. store-brand warranties
  • Manage your account with tools to help you transfer balances, set travel notifications and report your card lost or stole

Who this card may suit

  • You're in the U.S. military or are related to someone in the U.S. military
  • You frequently dine out or spend money on gas
  • You don’t want to pay an annual fee
  • You do't want to pay foreign transaction fees when you use you card abroad"

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual FeeNone
Regular Purchase APR14.9% to 30.9% variable based on creditworthiness
Intro Balance Transfer APR0% Introductory APR through your 02/01/2024 billing cycle
Balance Transfer APR14.9% to 30.9% variable based on creditworthiness
Balance Transfer Transaction Fee3% of the amount of each transfer
Cash Advance APR14.9% to 30.9% variable based on creditworthiness
Cash Advance Transaction Fee3% of the amount of each cash advance. Fee waived when transferring funds electronically to a USAA deposit account
Late Payment Penalty FeeUp to $35
Return Payment Penalty FeeUp to $35

Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.

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USAA® Rewards™ Visa Signature® Card

Apply Now for USAA® Rewards™ Visa Signature® Card (opens in a new tab)

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