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 2X points per dollar spent on gas and dining with no caps.

CARD DETAILS

  • Earn 2X points per dollar spent on gas and dining with no caps.
  • 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
+ Pros
  • Low APR.
  • Earn rewards points for every dollar spent.
  • Redeem points for cash.
  • No annual fee.
- Cons
  • 3% balance transfer and cash advance fee.

REWARDS: Points

Rewards Program
  • Earn 2X points per dollar spent on gas and dining with no caps.
  • Earn 1X points for every dollar spent on all other purchases.
  • Get 2,500 bonus points with your first purchase.
Rewards Bonus
2,500 bonus points with your first purchase

PURCHASES

Intro
APR

N/A
Ongoing
APR

11.90% - 27.90% Variable
Penalty
APR

None
Minimum Grace
Period

25 days
Minimum Interest
Charge

None

BALANCE TRANSFERS

Intro
APR

N/A
Ongoing
APR

11.90% - 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

11.90% - 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
Card Overall Rating
APPLY
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