USAA Rewards™ Visa Signature®

Dining is the strongest category at 2% effective value (2x points at about 1 cents each). That dining rate ranks higher than about 29% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

Dining is the strongest category at 2% effective value (2x points at about 1 cents each). That dining rate ranks higher than about 29% of the 1,547 cards we track in that category.

Madeen values USAA Rewards at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.

The USAA Rewards™ Visa Signature has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

• 2X points on dining
• 2X points at gas stations

The USAA Rewards™ Visa Signature fits spenders who put meaningful volume in dining and can earn 2x points. Best for spenders who put meaningful volume in dining and can earn 2x points. The welcome bonus can help if you can meet the spend requirement.

USAA Rewards™ Visa Signature fits spenders who put meaningful volume in dining and can earn 2x points. Madeen ranks its dining effective rate higher than about 29% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.

Best for spenders who put meaningful volume in dining and can earn 2x points. The welcome bonus can help if you can meet the spend requirement.

Compare it against simpler no-fee cards if you want minimum complexity.

Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

The USAA Rewards™ Visa Signature has an annual fee of $0 and a foreign transaction fee of None. New applicants may see: 2,500 bonus points after your first purchase. Confirm current issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

Annual fee

$0

Foreign transaction fee

None

Signup bonus

2,500 bonus points after your first purchase

The USAA Rewards™ Visa Signature includes Auto Rental Collision Damage Waiver, Baggage Delay Reimbursement, Booking.com in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

• Auto Rental Collision Damage Waiver

  Reserve and pay for your rental car with your credit card to get 31 days of protection worldwide. Save money by saying no at the counter — rent with your covered USAA credit card and get built-in auto rental coverage.

• Baggage Delay Reimbursement

  If your checked baggage is delayed, you can be reimbursed up to $100 a day, for up to three days. Get the essentials you need such as clothing or toiletries while waiting for your baggage to arrive.

• Booking.comIncluded with Visa Signature®

  Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.

• Cell Phone Protection

  When you charge your monthly cell phone bill to your USAA credit card, you can be reimbursed up to $500, in the event your eligible cell phone is stolen or damaged.

• Concierge Services

  Need advice on restaurants or gifts? Are you trying to arrange travel or concert tickets? This exclusive service for USAA Visa Signature® credit cards gives you 24/7 access to a concierge who can guide you.

• Dovly Uplift™Included with Visa Signature®

  Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.

• Extended Warranty Protection

  Extends the time period of the U.S. manufacturer’s warranty on items purchased with your card. Get up to an additional year of coverage.

• Global Entry Statement CreditIncluded with Visa Signature®

  Apply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Signature card to pay the application fee (currently $120) to receive a $120 statement credit.

Compare the USAA Rewards™ Visa Signature against USAA Rewards™ American Express (3% on Dining, $0 fee); USAA Eagle Navigator™ Visa Signature (2% on Dining, $95 fee); USAA Preferred Cash Rewards Visa Signature (1.5% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.

• Dining

• USAA Rewards™ American Express®USAA · 3% on dining
• USAA Eagle Navigator™ Visa Signature®USAA · 2% on dining
• USAA Preferred Cash Rewards Visa Signature®USAA · 1.5% on dining
• USAA Cashback Rewards Plus American Express®USAA · 5% on gas

Madeen may earn compensation from some apply links. Compensation may affect which offers are available, but it does not control recommendations for cards you have already added to your wallet. Affiliate disclosure