Card
Network

VISA
Bank

USAA Federal Savings Bank
Issuing
Country

United States
User
Category

Consumer
Card
Type

Unsecured
Credit
Recommended

Good - Excellent
Interest Rates
Maintenance Fees
Customer Service
Features & Benefits
Reward Program
Card Overall Rating

MAIN CARD FEATURE

Earn 1.5% cash back on every purchase with no limits or category restrictions.

CARD DETAILS

  • Earn 1.5% cash back on every purchase with no limits or category restrictions.
  • Pay no annual fee, no penalty APR and no foreign transaction fees
  • USAA membership is available to active and former military and their eligible family members
+ Pros
  • Cash back rewards.
  • No annual fee.
  • Visa Signature benefits.
- Cons
  • Available to military members only.

REWARDS: Cash Back

Rewards Program
Earn 1.5% cash back on every purchase with no limits or category restrictions.
Rewards Bonus
No Rewards Bonus
Redemption Options
USAA membership is available to active and former military and their eligible family members

PURCHASES

Intro
APR

N/A
Ongoing
APR

13.90% - 27.90% Variable
Penalty
APR

None
Minimum Grace
Period

25 days
Minimum Interest
Charge

See Terms

BALANCE TRANSFERS

Intro
APR

N/A
Ongoing
APR

13.90% - 27.90% Variable
Balance Transfer
Fee

3% on balance transfers and cash advances; $200 maximum
Penalty
APR

None
Minimum Grace
Period

0 days

CASH ADVANCE

Intro
APR

N/A
Ongoing
APR

13.90% - 27.90% Variable
Cash Advance
Fee

3% on balance transfers and cash advances; $200 maximum
Penalty
APR

None
Minimum Grace
Period

0 days

GENERAL FEES

Application Processing
Fee

See terms
Annual
Fee

$0
Foreign Transaction
Fee

None
Late Payment
Fee

Up to $354
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