USAA Rewards Visa Signature

Earning Rates

Key Benefits

All Benefits

• Issued on the Visa Signature network
• Membership-gated: must be a USAA member to apply. USAA membership is restricted to current and former U.S. military servicemembers, their spouses, and their dependents
• Welcome offer: 2,500 USAA Rewards points (~$25 in travel value at 1¢/point) after your first purchase
• 2X USAA Rewards points on dining (restaurants and takeout / delivery)
• 2X USAA Rewards points on gas stations
• 1X USAA Rewards points on all other purchases
• No annual fee ($0)
• No foreign transaction fees
• Points never expire for the life of the account and there are no caps on point earning
• Redeem through the USAA Rewards Center for travel (~1¢/point), gift cards, merchandise, statement credit, or USAA account deposits — no transfer partners (closed-loop program)
• 0% introductory APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening (then variable ~13.40%-27.40%); 5% balance-transfer fee applies
• Active-duty servicemembers receive USAA's SCRA benefits, including a 4% APR cap during qualifying military service
• Cell phone protection when you pay your monthly wireless bill with the card
• Auto rental collision damage waiver (secondary U.S.) when you reserve and pay with the card and decline the rental company's CDW
• Travel accident insurance on common-carrier tickets paid with the card
• Trip cancellation and trip interruption coverage on prepaid non-refundable travel paid with the card
• Visa Signature Concierge service (24/7)
• Access to Visa Signature Luxury Hotel Collection
• Extended warranty and purchase security protection on eligible purchases
• Zero-liability fraud protection on unauthorized transactions
• Not Offered: no airline / hotel transfer partners — USAA Rewards is a closed-loop program
• Not Offered: no airport lounge access, no Global Entry / TSA PreCheck credit, no annual statement credits
• Not Offered: no 3X dining tier (the USAA Rewards American Express earns 3X on dining vs. 2X here)