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
$0
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
Cash
Credit Required
Good to Excellent
Bonus: $200 cash back
Spend: $1,000
Period: 3 months
Benefits & Perks
Reviews & Analysis
Details & Terms
| Purchase APR | 15.4%–27.4% (Variable) |
| Cash Advance APR | 18% (Variable) |
| Foreign Transaction Fee | $0 |
Usaa Rewards family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Usaa Rate Advantage | entry | — |
Media & Resources
| Source | Verified | Citation |
|---|---|---|
| Usaa Official | — | Usaa Official |
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Multiple card facts | |
| Issuer Page | Issuer Page: Apr | |
| Issuer Page | Issuer Page: Apr |
Combined Protection Value
$5,450
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
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
Extends your manufacturer's warranty by up to a year, up to $15,000 per claim and $50,000 per account.
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.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$3,600
Annual Fee
-$0
Net Annual Value
+$3,600
| Issuer Page | Issuer Page: Welcome offer |
| Issuer Page | Issuer Page: Welcome offer |
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 with
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
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
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).
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Safeguard your new item against theft or damage for the first 90 days from the date of purchase with Purchase Security available when you pay with
Coverage for loss of life or limb up to $500,000 when you buy your travel ticket with your card.
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.
