VISAVisa Traditional

USAA Rate Advantage Visa Card

Terms checked against the issuer on October 10, 2026

At a Glance

Benefits & Perks

10 protections

$500 cell phone protection
$500
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
Baggage Delay Reimbursement
$100
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
Auto rental CDW
secondary
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
Extended Warranty Protection
secondary
Extends the time period of the U.S. manufacturer’s warranty on items purchased with your card. Get up to an additional year of coverage.
Zero Liability on unauthorized charges
You won't be held responsible for unauthorized charges made in store, online, or via mobile device.

Show all 10 protections

Travel and Emergency Assistance
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
Trip Cancellation and Interruption
$1,500
secondary
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
24/7 lost/stolen card assistance worldwide
Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.
Purchase Security
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
Travel Accident Insurance
When you purchase your travel ticket with your USAA card, you are eligible to receive coverage for loss of life or limb. This coverage applies to air

Reviews & Analysis

Details & Terms

Usaa Rewards family

Card	Tier	Annual Fee	Note
Usaa Preferred Cash	entry	—	—

Media & Resources