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With cashback rewards on everyday purchases, no foreign transaction fees, and travel benefits tailored for service members, this card helps you earn rewards while managing your finances efficiently.
Disclaimer: You will be redirected to the official website.
Benefits of USAA Rewards Card
- 1.5% cashback on all eligible purchases
- 2% cashback on gas and groceries
- No annual fee, helping you save more
- Travel accident insurance and rental car coverage
- Exclusive perks for military families
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Pros
- No foreign transaction fees, perfect for those stationed or traveling abroad
- Special military benefits, including SCRA protections for active-duty members
- Multiple cashback categories, maximizing rewards on daily expenses
- USAA’s top-rated customer service, offering dedicated military support
Cons
- Cashback rates are lower than some competitors
- Only available to military members and their families
- Limited high-reward categories compared to premium cashback cards
about the card
The USAA Rewards Credit Card is tailored for military service members, veterans, and eligible family members. Whether you’re stationed overseas, frequently traveling, or simply managing everyday expenses, this card ensures financial flexibility and valuable rewards.
With no foreign transaction fees, you can shop internationally without extra charges. Plus, the card provides strong travel protections, including rental car insurance and trip accident coverage.
For military families seeking a straightforward rewards program, this card is a practical financial tool.
How to Apply for the usaa rewards Card
Applying for the USAA Rewards Credit Card is quick and straightforward, but you must meet specific military membership requirements.
Eligibility Requirements
To apply, you must:
- Be active-duty, retired, or honorably discharged military personnel
- Be an eligible family member of a USAA member
- Have a good credit score (typically 700 or higher)
- Provide proof of income and financial stability
Step-by-Step Application Process
- Visit the USAA website and navigate to the USAA Rewards Credit Card page
- Click “Apply Now” and enter your personal and financial information
- Verify your USAA membership status
- Review the card’s terms and conditions, including cashback rewards and benefits
- Submit your application and wait for approval (typically within a few business days)
Once approved, your card will arrive in 7-10 business days, and you can start earning rewards immediately.
Disclaimer: You will be redirected to the official website.
exclusive military benefits
Financial Flexibility During Deployments
The USAA Rewards Credit Card offers special protections for military families, including lower interest rates during deployments and PCS (Permanent Change of Station) moves. If you’re deployed, USAA reduces your interest rates under SCRA (Servicemembers Civil Relief Act) benefits.
This means you save money on interest while focusing on your service obligations.
Secure and Convenient Travel Perks
As a USAA member, you get access to travel protections that help keep you covered while traveling:
- Trip cancellation and interruption insurance – Helps cover non-refundable travel costs in case of emergencies
- Rental car insurance – Provides coverage when you rent a car using your card
- Emergency roadside assistance – Offers help if you experience vehicle issues during travel
If you travel frequently for military assignments or leisure, these perks provide financial security and peace of mind.
Rewards Breakdown
| Feature | Benefit |
|---|---|
| 2% cashback on gas and groceries | Earn more on essential everyday spending |
| 1.5% cashback on all other purchases | Consistent rewards on every transaction |
| No foreign transaction fees | Save money while stationed overseas or traveling |
| Flexible redemption options | Use rewards for travel, gift cards, or statement credits |
How to Improve Your Credit Score to Get Approved for the usaa rewards credit CARd
Using the USAA Rewards Credit Card responsibly can help you build and maintain a strong credit profile. Here’s how:
- Always pay on time – Your payment history accounts for 35% of your credit score
- Keep your credit utilization low – Try to use less than 30% of your available credit limit
- Limit new credit applications – Applying for too many cards at once can temporarily lower your score
- Monitor your credit – Regularly review your credit report for errors and potential fraud
- Keep your oldest accounts open – The length of your credit history plays a role in your score
By following these best practices, you can maximize the benefits of the USAA Rewards Credit Card while improving your financial health.
FINAL CONSIDERATIONS
The USAA Rewards Credit Card is a strong financial tool for military members, veterans, and their families, offering cashback rewards, no foreign transaction fees, and valuable travel protections. It is specifically designed to meet the needs of service members, whether they are stationed overseas, traveling frequently, or managing daily expenses.
One of the standout features of this card is its flexible cashback program, allowing you to earn 2% on gas and groceries—two of the biggest spending categories for most households. Additionally, 1.5% cashback on all other purchases ensures that you earn rewards on every transaction without restrictions. The no foreign transaction fees make it ideal for military members deployed abroad or those who frequently travel, eliminating extra costs on international purchases.
Another major benefit is the suite of military-focused protections, including lower interest rates under the Servicemembers Civil Relief Act (SCRA) during deployments. These features provide financial security, allowing service members and their families to focus on their duties without worrying about their finances. The card’s travel insurance perks, such as rental car coverage and trip accident insurance, add even more value, making it a smart choice for those frequently on the move.
That said, the USAA Rewards Credit Card may not be the best fit for everyone. If you’re not affiliated with the military, you won’t be eligible for USAA membership, and other cashback or travel rewards cards may offer higher earning potential in certain categories. Those who prefer premium travel perks, such as airport lounge access or airline-specific rewards, may benefit from a higher-tier travel credit card.