- Annual fee
- $0
- Welcome offer
- $200
- Top rate
- 3%Groceries, Dining & Home Improvement
- Foreign transaction fee
- None
The offer
Welcome offer
Earn a $200 reward bonus after spending $1,000 on qualifying purchases by March 31, 2027.
$200
Earning
Reward rates
- Groceries, Dining & Home Improvementup to $3,000 a quarter, shared across categories3%
- All other purchases1%
Earns USAA Rewards
Included
Benefits
Auto deductible reimbursement
Not available in WA State. Requires 8 or more separate net purchases in the calendar month immediately preceding the loss on the same account.
Extended warranty protection
Purchase security
Your numbers
What this card is worth to you
Enter your monthly spend per category to see a year of rewards from this card.
Annual Rewards
—
Annual Fee
$0
Net Value
—
Your odds
Approval odds
CardAPI lists no minimum credit score for this card. Sign up free to see your odds.
Sign up freeThe details
Terms and details
Balance transfers and intro APR
| Intro APR (purchases) | 0 for 36 months |
|---|---|
| Intro APR (balance transfers) | 0 |
| Balance transfer fee | 5% |
Fees
| Cash advance fee | 5% |
|---|
More terms
| Cash advance APR | 15.65% |
|---|---|
| Balance transfer APR | 15.65% |
Ready to apply?
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Card data from CardAPI, offer checked 6 Nov 2026. Terms change; confirm them with USAA before you apply. Browse every card