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USAA
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USAA REWARDS™
CREDIT CARD

Unlimited 2X points on diningSee note1

14.40% to 28.40%* Variable Regular APR

Balance transfer and cash advance fee is 5% of each transaction amount.*

Apply now Not a member? Join now. It's free and easy.

NO ANNUAL FEE*

Bonus rewardsSee note1

Earn 2,500 bonus points after your first purchase.

With your USAA Rewards™ Credit Card, you can earn

2X

points on dining, including takeout & delivery

2X

points at gas stations

1X

points on other purchases



Earn, redeem, enjoy

No limits or caps on how many
points you can earn.

Points never expire.

Redeem for travel, gift cards,
cash back, charitable
contributions and more.

Even more benefits

Cell phone protectionSee note2

Purchase securitySee note2

Auto rental collision damage waiverSee note2

Trip cancellation and interruptionSee note2

Baggage delay reimbursementSee note2

Zero liability on unauthorized purchasesSee note3

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Proud to
serve you

A USAA membership gives you and your eligible family members the tools and financial products to manage your finances, take care of your family, and save for
the future. No matter where you are in life, we're ready to help.

INSURANCE · BANKING · INVESTING · RETIREMENT

Join to apply

USAA REWARDS™
CREDIT CARD

2X points, no annual fee*

Earn 2X points on dining and at gas stations and 1X points on other purchasesSee note1 — all with no annual fee.*

Apply now Not a member? Join now. It's free and easy.

USAA Credit Card Agreement (PDF)

Available with:

Apple Pay Google Pay Samsung Pay

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right card?

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DISCLOSURES

Investment and Insurance Products are:

  • Not Insured by the FDIC or Any Federal Government Agency
  • Not a Deposit or Other Obligation of, or Guaranteed by, the Bank
  • Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested

  1. 1 You will earn rewards based on your Qualifying Purchases. Qualifying Purchases are the Purchases of products or services that post to your Account, minus any returns, refunds, or other adjustments made with your Account by you or an Authorized User of your Account. Certain restrictions apply, including limitations if your Account becomes delinquent or closed. Transactions that are not Qualifying Purchases do not earn rewards. See the Reward Program Terms and Conditions for more information.

  2. 2 Certain terms, conditions and exclusions apply. Please refer to the Credit Card Benefits Guide for further details.

  3. 3 Zero liability policy: You are not liable for unauthorized use that is reported to us. Unauthorized use means the use of a credit card by someone other than you who does not have actual, implied or apparent authority for such use and from which you do not receive a direct or indirect benefit.

  4. All credit cards subject to approval.

  5. There is a transaction fee of 5% of the amount of each Balance Transfer, Convenience Check and Cash Advance. The Cash Advance fee is waived when you transfer funds electronically from your USAA credit card to your USAA Bank deposit account.

  6. If you apply for a USAA Visa SignatureSee note® Credit Card and are approved for a credit limit less than $3,000 you'll automatically be issued a USAA VisaSee note® Platinum Credit Card with the same terms and fees.

  7. The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.

  8. Visa is a registered trademark of Visa International Service Association and used under license.

  9. American Express is a federally registered service mark of American Express and is used by USAA Federal Savings Bank as the credit card issuer pursuant to a license.

  10. Apple PaySee note® is a registered trademark of Apple Inc.

  11. Google Pay is a trademark of Google LLC.

  12. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.

  13. "USAA Bank" means USAA Federal Savings Bank.

  14. USAA Federal Savings Bank offers deposit, credit card, consumer lending, mortgage, and other banking products and services. USAA Federal Savings Bank is a Member of FDIC. Credit card, mortgage and other lending products not FDIC-insured.

  15. No Department of Defense or government agency endorsement.

  16. Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change. To join USAA, separated military personnel must have received a discharge type of Honorable or General Under Honorable Conditions. Eligible family members may also join USAA.

  17. Property and casualty insurance underwritten by United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, NOBLR Reciprocal Exchange, based in San Antonio, Texas; USAA Limited (UK) and USAA S.A. (Europe) and is available only to persons eligible for property and casualty group membership. Each company has sole financial responsibility for its own products. Coverages subject to the terms and conditions of the policy.

  18. USAA means United Services Automobile Association and its affiliates.

  19. USAA Investment Services Company (ISCO), a registered broker-dealer and a registered investment adviser, provides referral and marketing services on behalf of Charles Schwab & Co., Inc. (Schwab), a dually registered investment adviser and broker-dealer. Schwab compensates ISCO for these services.

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Rates and Fees

Rewards and Conditions

Card Agreement

Download

CREDIT CARD BENEFITS GUIDE