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Review of The USAA Rewards Visa Signature® and American Express® Cards

Updated Sep 09, 2021 | Published Feb 16, 20163 min read

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USAA Rewards™ Visa Signature®

Min Credit Level Good
Annual Fee $0
Regular APR 9.90%–25.90% Variable

USAA Rewards™ American Express® Card

Min Credit Level Good
Annual Fee $0
Regular APR 9.90%–25.90% Variable
At a glance

These USAA cards offer points in a few useful categories, but there’s not a whole lot to them. Unless you specifically want a card from USAA, check out some other reward credit cards.

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This is a review of two very similar reward credit cards from USAA: the USAA Rewards™ Visa Signature® and the USAA Rewards™ American Express® card.

USAA cards are only available to members of the military, active or honorably discharged, as well as certain members of their family. Click here for details on USAA eligibility.

As members of the USAA, cardholders get access to very good rates and benefits that are seldom seen outside of the most exclusive credit cards. These two cards have the same potential rates and benefits, but differ a bit in their rewards.

Read on to learn more about them and see if one might be right for you.

Apply Now

securely on the issuer's website

USAA Rewards™ Visa Signature®
Apply Now

securely on the issuer's website

  • Min. credit levelGood
  • Annual Fee$0
  • Purchase APR9.90%–25.90% Variable
Apply Now

securely on the issuer's website

USAA Rewards™ American Express® Card
Apply Now

securely on the issuer's website

  • Min. credit levelGood
  • Annual Fee$0
  • Purchase APR9.90%–25.90% Variable

The Rewards

As you can see, the American Express card has an extra reward category that the Visa doesn’t.

Rewards Visa Signature

  • 1 point per dollar on all purchases
  • 2,500 bonus points when you make your first purchase

Rewards American Express

  • 2 points per dollar on gas and grocery purchases
  • 1 point per dollar on all other purchases
  • 2,500 bonus points when you make your first purchase

The Benefits

These cards share the same fairly comprehensive set of benefits.

In some cases the benefit will be serviced by the card’s particular network (Visa or American Express) and in those cases the details may differ slightly. Check your Guide to Benefits to learn exactly what your card offers.

Perks

  • Concierge Service

    Call to get personal help with all sorts of tasks, like travel planning, making restaurant reservations, finding hard-to-find items, and finding convenient services nearby, wherever you may happen to be.

Military Benefits

You may or may not qualify for some of these benefits; click here to learn more and see if you qualify.

  • Servicemembers Civil Relief Act (SCRA)

    The SCRA provides help to active-duty service members, and includes benefits like protection for life insurance policies and reduced interest rates on debts incurred before beginning active duty. USAA will provide an interest rate of 4% for pre-existing USAA credit card debt and loans, and a rate of 6% for other debts like credit cards, mortgages, auto loans, and others.

  • Qualifying Campaign Level

    Members who receive a qualifying campaign medal can receive a rebate for all of the interest incurred during their campaign. The qualifying campaign medals include the Global War on Terrorism Expeditionary Medal, the Iraq Campaign Medal, and the Afghanistan Campaign Medal.

Shopping Protections

  • Extended Warranty

    Doubles the manufacturer’s original warranty, up to a maximum of 2 years for most items, up to $15,000.

Travel Protections

  • Travel Assistance Services

    Available when traveling 100 miles or more from home, provides help like information on travel requirements, locating documents or lost items, or arranging emergency money transfers.

  • Worldwide Automatic Travel Accident, Baggage Delay and Trip Cancellation/Interruption Insurance

    Provides insurance in case of a tragic accident, funds to reimburse purchases if your bags are delayed, and reimbursement if your trip is interrupted for eligible reasons.

  • Rental Car Insurance

    Provides coverage against damage and theft of rental vehicles, as long as the rental company’s own insurance is declined.

Security Benefits

  • Identity Theft Resolution Services

    If you become a victim of identity theft, this service provides help with contacting the credit bureaus, getting a new credit card, and going through the proper legal proceedings.

  • Identity Fraud Expense Reimbursement

    You won’t be held liable for unauthorized charges as a result of identity fraud.

The Costs & Fees

Card Annual Fee Regular APR Regular Balance Transfer APR Cash Advance APR
Rewards Visa Signature $0 9.90%–25.90% Variable 9.90%–25.90% Variable 9.90%–25.90% Variable
Rewards American Express $0 9.90%–25.90% Variable 9.90%–25.90% Variable 9.90%–25.90% Variable
Card Balance Transfer Fee Cash Advance Fee Foreign Transaction Fee
Rewards Visa Signature 3% 3% None
 Rewards American Express 3% 3% None
Card Penalty APR Late Fee Returned Payment Fee
Rewards Visa Signature None Up to $35 Up to $35
Rewards American Express None Up to $35 Up to $35

The Bottom Line

The USAA Rewards™ Visa Signature® and the USAA Rewards™ American Express® are good cards for military members, offering rates you probably won’t be able to get anywhere else. When choosing between the two, you only need to consider if you’ll use that extra rewards category on the Amex card because the other terms are identical.

The rates for these cards are quite solid. You can get a very low APR if you have a good credit rating, and there’s no annual fee or penalty APR to worry about.

Want to apply for or learn more about one of these cards? Just click the card’s name below.

Apply Now

securely on the issuer's website

USAA Rewards™ Visa Signature®
Apply Now

securely on the issuer's website

  • Min. credit levelGood
  • Annual Fee$0
  • Purchase APR9.90%–25.90% Variable
Apply Now

securely on the issuer's website

USAA Rewards™ American Express® Card
Apply Now

securely on the issuer's website

  • Min. credit levelGood
  • Annual Fee$0
  • Purchase APR9.90%–25.90% Variable

These two cards don’t offer very high rewards, however. If you’re looking for some USAA cards with better rewards, check out the USAA Cashback Rewards Plus Credit Cards.

If you’re looking to earn points or cash back with non-USAA rewards cards, learn more about Rewards Credit Cards right here.

How do you like your USAA credit card? Leave your own review of the Visa or American Express version!

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Written by

Brendan Harkness

Brendan has been writing about personal finance for over eight years, and is now taking on the challenge of bringing high-quality credit education to the masses. He makes sure that Credit Card Insider is covering the most important credit topics transparently and precisely, and that we have up-to-date reviews of credit cards so you can find cards that are right for you.

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