USAA Most well-liked Money Rewards Visa Signature® Credit score Card: 2023 Evaluate


USAA members have entry to a beautiful bank card with no classes to handle and a flat cashback price on most purchases.

It affords many advantages, together with an extended intro Annual Proportion Charge (APR) on purchases.

Right here’s a USAA Most well-liked Money Rewards Visa Signature® Credit score Card evaluation to see the way it compares to others.

USAA Most well-liked Money Rewards Visa Signature® Credit score Card: Overview

  • Annual Price: $0
  • Intro APR: 0% for 15 months
  • Common APR: 17.15% – 31.15%
  • Reward Charges: 1.5% money again on most purchases
  • Bonus Provide & Particulars: n/a
  • Advisable Credit score Rating: Wonderful

USAA Most well-liked Money Rewards Visa Signature® Credit score Card: Options

In case you’re searching for a no-fuss rewards bank card with easy-to-manage rewards, the USAA Most well-liked Money Rewards Visa Signature® Credit score Card is a strong selection.

With out classes to handle and a beautiful introductory APR, there’s quite a bit to love about this card.

Flat Charge Cashback

The USAA Most well-liked Money Rewards Visa Signature® Credit score Card pays a flat price of 1.5% cashback on most purchases. You don’t have to fret about managing classes or activating affords, and there aren’t any class restrictions.

Introductory APR on Purchases

Many rewards bank cards have intro APRs on steadiness transfers, not purchases. However the USAA Most well-liked Money Rewards Visa Signature® Credit score Card affords a promotional 0% APR for 15 months on purchases, serving to you repay purchases over time with out paying curiosity.

No Annual Price

Many rewards bank cards cost annual charges, however the USAA Most well-liked Money Rewards card doesn’t cost an annual price.

Zero Legal responsibility

Counting on US protection from USAA means zero legal responsibility for unauthorized transactions. This consists of transactions reported to USAA as unauthorized by somebody aside from your self or anybody you offered implied permission to make use of your card.

Personalised Alerts

You may arrange custom-made alerts to find out about card utilization, steadiness adjustments, or upcoming due dates.

Execs and Cons

The USAA Most well-liked Money Rewards Visa Signature® Credit score Card has professionals and cons to contemplate when deciding if it’s the suitable card for you.

Execs

  • Limitless rewards (no class caps)
  • No annual price or international transaction price
  • No penalty APR
  • Simple to trace rewards

Cons

  • No sign-up bonus
  • Different rewards playing cards supply increased cashback charges in classes like grocery, fuel, or journey
  • 5% steadiness switch price

Charges and Charges

Understanding bank card charges and charges may help you establish if it’s the suitable selection. Evaluating the charges to the rewards earned may help you see the large image.

  • APR Vary: The precise APR obtained varies by the cardholder. The speed charged is determined by your credit score rating, revenue, and different components. On common, the USAA Most well-liked Money Rewards Visa Signature® Credit score Card has an APR vary of 17.15% – to 31.15%.
  • Introductory APR Affords: New cardholders get a 0% buy APR for the primary 15 months. This implies you don’t pay curiosity on any purchases throughout that point when you don’t pay your full steadiness every month. After the introductory interval expires, your APR resumes to the traditional APR of 17.15% – 31.15%.
  • Stability Switch Price: In case you switch a steadiness to your USAA Most well-liked Money Rewards Visa Signature® Credit score Card, you’ll pay a 5% price for the quantity transferred, rising your steadiness.
  • Overseas Transaction Price: The USAA Most well-liked Money Rewards card doesn’t cost international transaction charges. This makes it a very good card when touring to save lots of on pointless charges.
  • Rewards Charge: Monitoring rewards with the USAA Most well-liked Money Rewards Visa Signature® Credit score Card is easy because you earn a flat 1.5% money again on most purchases. There aren’t totally different class tiers or affords to activate to be eligible for rewards, making this a easy card.
  • Annual Price: This bank card doesn’t have an annual price, making it a simple selection, particularly when you’re searching for a simple card with out classes to trace.
  • Credit score Rating Requirement: The credit score wanted for this card is Honest, Good, or Wonderful.

Eligibility and How To Apply

To use for the USAA Most well-liked Money Rewards Visa Signature® Credit score Card, you could first be a USAA member and meet sure necessities.

Membership Necessities for USAA

USAA proudly affords membership to present and former army, in addition to their spouses and dependents. There aren’t another necessities to develop into a member, and turning into a member lets you apply for USAA bank cards, amongst different advantages.

Utility Course of

You may apply for the USAA Most well-liked Money Rewards Visa Signature® Credit score Card on-line. It’s essential to present your private data, together with your title, tackle, Social Safety quantity, and birthdate. It’s essential to additionally present employment and revenue data.

USAA will pull your credit score and consider your revenue to make sure you qualify for the e-card. Some candidates obtain solutions instantly, and others should look forward to a solution within the mail. You’ll obtain your card inside 7 to 10 enterprise days if authorized.

Rewards Worth

You earn 1.5% money again for each $1 spent in your USAA Most well-liked Money Rewards Visa Signature® Credit score Card.

You may redeem your factors for any of the next, however the worth adjustments continuously, so verify the present charges earlier than redeeming:

  • Journey reward to buy journey lodging
  • Merchandise rewards to redeem for particular objects
  • Present card rewards to buy present playing cards to retailers and eating places
  • Money reward as an announcement credit score or direct deposit to your USAA account
  • A charitable contribution to your favourite charity

How The USAA Most well-liked Money Rewards Visa Signature® Credit score Card Compares To Different Playing cards

Evaluating the USAA Most well-liked Money Rewards Visa Signature® Credit score Card with different rewards bank cards may help decide if it’s best for you.

1. Capital One Quicksilver Money Rewards Credit score Card

Just like the USAA Most well-liked Money Rewards Visa Signature ® Credit score Card, the Capital One Quicksilver bank card pays a flat 1.5% cashback on most purchases with no limits.

Not like the USAA card, although, you possibly can earn a $200 bonus after spending $1,000 on qualifying purchases within the first three months.

The introductory APR on the Capital One card can be for 15 months on purchases, however it consists of steadiness transfers with a 3% steadiness switch price. The common APR after the introductory interval is nineteen.99% – 29.99%.

2. Financial institution of America Custom-made Rewards

The Financial institution of America Custom-made Rewards bank card permits cardholders to customise their highest-tier class. You may select from eating, fuel, on-line purchasing, drug shops, dwelling enchancment, or journey, incomes 3% cashback in your chosen class.

You can too earn 2% cashback on grocery and wholesale membership purchases and 1% on the whole lot else. Nevertheless, there’s a $2,500 spending restrict on the three%/2% classes mixed quarterly. You can too change your custom-made class month-to-month.

The Financial institution of America Custom-made Rewards card affords a 0% APR on purchases throughout the first 15 months and steadiness transfers throughout the first 60 days. The common APR resumes after the introductory interval and is eighteen.24% to twenty-eight.24%.

The Financial institution of America card has a $200 bonus when you meet sure necessities, together with spending $1,000 within the first 90 days. The cardboard additionally has no annual price.

Who Is The USAA Most well-liked Money Rewards Visa Signature® Credit score Card Greatest For?

If you’d like a no-hassle bank card that you understand pays cashback it doesn’t matter what you buy, the USAA Most well-liked Money Rewards Visa Signature® Credit score Card is an efficient possibility.

It’s additionally a good selection if in case you have a big buy arising and want further time to pay the total steadiness, as you’ll get 0% APR for 15 months, providing you with extra time to pay it in full.