Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Annual Fee
$95
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
USAA Rewards
Credit Required
Excellent
Welcome Offer
50,000
points
Spend $3,000 in the first 3 months
Benefits & Perks
Reviews & Analysis
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$318
Annual Fee
-$95
Net Annual Value
+$223
Details & Terms
| Foreign Transaction Fee | $0 |
Media & Resources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page: Welcome offer |
Recurring credits (annual): $530
Estimated annual value: $35
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $500 cell phone protection | $500/Per claim | Cell Phone | Per claim | |
| $120 Global Entry/TSA PreCheck | $120/Every 4 years | Travel | Every 4 years | |
| 8% Booking.com credits | —/Per stay | Travel | Per stay |
Combined Protection Value
$521,450
You’re covered for up to $1,500 per covered person, for non-refundable prepaid passenger fare, when your travel is interrupted or canceled. This co...
Get reimbursed up to $1,500 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
When you charge your monthly cell phone bill to your USAA credit card, you can be reimbursed up to $500, in the event your eligible cell phone is s...
Deductible: 50
If your checked baggage is delayed, you can be reimbursed up to $100 a day, for up to three days. Get the essentials you need such as clothing or t...
Reserve and pay for your rental car with your credit card to get 31 days of protection worldwide. Save money by saying no at the counter — rent wit...
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get reimbursement up to $1,000 per claim for items stolen or damaged by accident within 90 days.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
If you experience an illness or emergency, while traveling or working anywhere in the world, call the benefits center for help, 24/7. You can also ...
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Coverage for loss of life or limb up to $500,000, on air, ferry, cruise, train or bus travel purchased with your USAA card.
Extends the U.S. manufacturer's warranty by up to 1 additional year on warranties of 3 years or less, up to $15,000 per claim and $50,000 per account.
Safeguard new items against theft or damage for 90 days from purchase. Covers up to $1,000 per claim, $10,000 per cardholder.
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
Merchants this card gives you a statement credit or membership at. Unlike the brands above, this isn't about earn rate — it's money the card hands back when you spend there.
