USAA® Rewards™ Visa Signature® Card Review

The USAA® Rewards™ Visa Signature® Card has no annual fee and can be a great bargain for people who spend frequently in the card's highest-earning categories. It earns two points for every dollar spent on dining out and gas expenses and one point per dollar for each qualifying transaction. You can also earn rewards while traveling outside the U.S. and don’t have to worry about paying foreign transaction fees.

Our MoneyGeek USAA® Rewards™ Visa Signature® Card review dives deep into the card's features, pros and cons to help you decide whether the card is the right one for you.

Additional benefits and features, as explained below, are included in the Rewards Visa Signature Card from USAA.

• No annual or foreign transaction fees
• Intro 0% APR on balance transfers and convenience checks for the first 15 months, provided they post to your account in the first 90 days, then a variable APR of 14.90% – 30.90% after that
• Balance transfer fees of 3%
• Earn 2,500 points after making your first qualifying purchase
• Earn 2x points per dollar on dining and gas
• All other purchases come with 1x point per dollar
• Redeem points for cash, airline or cruise tickets, cruise, to make a charitable contribution, and for gift cards or merchandise
• Extended warranty
• Complimentary trip cancellation and interruption coverage, baggage delay and reimbursement, travel accident insurance and auto rental coverage
• Zero liability
• Free access to concierge services

You should be aware of your credit card user rights to evaluate the pros and cons, fees, rates and other aspects of credit cards. The rates, fees and rewards rates for the USAA® Rewards™ Visa Signature® Card are shown in the table below.

You may be interested in learning about some of the other USAA® Rewards™ Visa Signature® Card benefits, such as:

• 24/7 Customer Service: The company offers 24-hour online customer service to handle any concerns or questions you may have.
• Travel Accident Insurance: Using your USAA card to purchase air, ferry, cruise, train or bus tickets provides coverage for loss of life or limb in the event of an accident.
• Trip Cancellation and Interruption Coverage: For non-refundable pre-paid passenger tickets purchased using this card, you will receive reimbursement of up to $1,500 per covered person for canceled trips.
• Auto Rental Collision Damage Waiver: If you pay for your rental car using your card, the collision damage waiver on your card covers you for 31 days, anywhere in the world.
• Baggage Delay Reimbursement Coverage: The USAA card's baggage delay reimbursement benefit compensates up to $100 per day for up to three days for checked baggage delays, allowing you to purchase essential items, such as clothes and toiletries.
• Travel Emergency Assistance: Customer service is available around the clock for any type of emergency, including medical emergencies, due to the card's travel emergency assistance feature. Medical and legal referrals, prescription medication assistance and travel planning are all available to cardholders.
• Shopping Benefits: The card’s shopping benefits let you receive more from your card purchases. For example, the extended warranty protection extends the manufacturer's warranty on things purchased using your card. Its concierge services help with entertainment, restaurant, travel and hotel reservations.
• Identity Protection: The identity protection services included with the USAA credit card include an identity theft resolution solution that offers various solutions to victims of identity theft. After a covered identity theft incident, the card's personal identity theft coverage reimburses up to $1,000 for identity restoration services.
• Mobile App: The USAA mobile app is available for both iOS and Android devices and allows you to access your credit card account, make payments, receive notifications and automatic updates, report lost or stolen cards and contact USAA customer support.
• Zero Liability Protection: You will not be held accountable for any fraudulent transactions made with your card if you report them to USAA immediately.

While the USAA® Rewards™ Visa Signature® Card's no-annual-fee structure and competitive reward rates did not make it one of the best rewards cards, it did fare well in comparison to other cards. Before comparing the card to its competitors, consider the most important qualities to you in a credit card.