USAA® Rewards™ Visa Signature® Card

  • Earn 2X points per dollar spent on gas and dining with no cap
  • Earn 1X points for every dollar spent on all other purchases
  • Get 2,500 bonus points with your first purchase
  • Redeem points for cash, merchandise, gift cards and more.
  • USAA membership is available to active and former military and their eligible family members
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Excellent Credit, Good Credit Personal $0 None N/A* 12.15% - 28.15% variable Regular APR on purchases, balance transfers and convenience checks Flexible Options


Quick Summary:
This Visa rewards card with flexible options is issued by USAA Savings Bank. This card is intended for consumers, or "personal use" with a nearly perfect credit history. Rates may vary among applicants, however the lowest standard APR is 12.15%* and may be as high as 28.15%* (Variable)*, depending on your credit worthiness*.

Important Rates:
Intro APR Note: The issuer of this card asked that we not discuss the introductory APR, due to variable factors among applicants. Please see the terms and conditions for details.

Regular APR: Intro APR Note: The issuer of this card asked that we not discuss the introductory APR, due to variable factors among applicants. Please see the terms and conditions for details.

There is no annual fee for this card.*

Rewards:
This is a flexible options rewards card. You should be able to choose different reward types, such as travel, points, or other options. This type of card adjusts to the changing needs of the cardholder.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a fairly solid or limited credit record, with no recent negative marks on their report. A FICO credit score of 674 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any USAA Savings Bank product.

Other Basics:
This card contains the brand of Visa, where acceptance is global. Most businesses that accept credit cards will accept Visa as a form of payment (subject to available credit).

Other Remarks:
  • Special Benefits for Military: Deployment/PCS rate: Get 4% APR on all balances for up to 12 months during deployment or PCS. After 12 months, the regular APR of between 12.15% to 28.15% will apply. This rate will vary with the market based on the prime rate. Special 4% SCRA rate: When you have a balance on your account at the time you enter active military duty, get 4% APR on that existing balance until one year after you complete active duty.
  • Security Benefits: Chip card technology has added security when used at a chip-enabled terminal and greater acceptance worldwide. Zero liability coverage for unauthorized transactions if your card is lost or stolen. Visa Auto Rental Collision Damage waiver insurance. Get account balances and transaction history by sending a text message. Access your account on usaa.com or from a mobile device.


Our Editor's Commentary:
There are many reward cards to choose from, but military members often find that the USAA® Rewards™ Visa Signature® Card is among the best.

Points are awarded for every purchase, which can then be used for travel, cash, gift cards, and more.

Making this an even better opportunity is chip technology, travel benefits, and no annual fee.

If you have good or excellent credit and are seeking a quality rewards card, the USAA® Rewards™ Visa Signature® Card is a good place to start.

Approval Rate:
There were 3 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 33% of those applicants were approved.

There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. Furthermore, if your FICO score is close to or higher than 674, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.

Community Opinion:
Based on community reviews, we found that 100% of 1 user recommend this card.
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