USAA Rewards™ Visa Signature®
- Annual Fee
- $0
- points · Welcome Bonus
- 2,500
- Top Rate
- 2X
Terms checked against the issuer on July 28, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Visa Signature
- Rewards Currency
- USAA Rewards
- Credit Required
- Excellent
Welcome Offer
Bonus: 2,500 points
Earning Rates
- 2X
Dining
2X points on dining
- 2X
Gas Stations
2X points at gas stations
Benefits & Perks
Insurance & Protections
8 protectionsTrip Cancellation and Interruption
$1,500
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...
$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 s...
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 t...
Auto Rental Collision Damage Waiver
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...
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 ...
Show all 8 protectionsShow fewer protections
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 a...
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 ...
Extended Warranty Protection
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.
Dining Out
2x at restaurants
USAA Rewards
≈$2 in value on a $100 dinner, at our valuation of 1¢ per point
No annual fee
Explore 5,512 New York restaurants with this cardStack a dining program
Rakuten Dining
5% back at 20,618 participating restaurants, on top of this card's 2x, once you join and link this card.
+$5
cash back, or ≈$5.50 as points
More on a $100 dinner
Reviews & Analysis
The Math: Is $0 Worth It?
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Details & Terms
Payment Terms
| Foreign Transaction Fee | $0 |
Media & Resources
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Multiple card facts |





