Last updated: 8/19/2020
Earns: USAA Rewards
Only available to USAA members, this is an unexceptional card anyway. USAA Rewards Points are unlikely to be more valuable than straight cash back and redeeming them just adds some complication. There’s no annual fee, but there are other no annual fee cards with better rewards.
(Based on spending from {{earliestTransactionDate | date}} through {{latestTransactionDate | date}})
| You could earn | Worth | Plus Welcome Bonus | Total |
|---|---|---|---|
| {{totalPointsYouCouldEarn | number}} USAA Rewards per year |
${{totalPointsYouCouldEarnValue | number}} | {{welcomeBonus | number}} points worth ${{welcomeBonusValue | number}} |
${{totalValueToUser | number}} |
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Value = 1 cent per point
Effective Value = 2 %
0.7%
0.7%
0.75%
0.8%
1%
1.2%
1.3%
1.5%
1.5%
1.95%
2%
2.09%
2.6%
2.6%
2.6%
3%
3.4%
4.19%
Value = 1 cent per point
Effective Value = 2 %
0.7%
0.7%
0.75%
0.8%
1.2%
1.3%
1.3%
1.3%
1.4%
1.4%
1.5%
1.7%
1.95%
2%
2.6%
3%
4.19%
Value = 1 cent per point
Effective Value = 1 %
0.7%
0.7%
0.7%
0.75%
0.8%
1%
1.2%
1.3%
1.3%
1.3%
1.3%
1.4%
1.4%
1.5%
1.7%
1.95%
Value = 1 cent per point
Effective Value = $25
$25
$50
$70
$100
$105
$130
$150
$150
$192
$200
$200
$200
$200
$200
$210
$260
$314.99
$480
$510
$650
$700
$910
$975
$1020
$1080
$1080
$1120
$0
$75
$95
$95
$250
$450
$495
Points
After you spend $1 in 3 months
2x
Dining
2x
Gas
Good
In the top 50% of cards.
1x
All Other
That depends on your individual spending patterns. We have a tool that figures it out for you. Learn what you could earn.
Excellent
In the top 15% of cards.
You can earn more rewards by using different cards for different purchases. We built a tool that tells you which card to use, when. Just plug in your favorite brand, store, or category to find out which card pays the most.
| PURCHASES APR | 9.90% to 25.90% |
| BALANCE TRANSFER APR | 9.90% to 25.90% |
| BALANCE TRANSFER FEE | 3% of the amount of each transfer. |
| CASH ADVANCE APR | 9.90% to 25.90% |
| CASH ADVANCE FEE | 3% of the amount of each cash advance. Fee waived when transferring funds electronically to a USAA deposit account. |
| LATE PAYMENTS | Up to $35 |
| FOREIGN TRANSACTION FEE | 0% |
