You can see the full guide to benefits online , but here is a quick summary of the benefits. When you use your USAA credit card or its associated rewards to reserve and pay for your rental car, you can get up to 31 days of protection for physical damage, theft, reasonable and customary towing and loss-of-use charges. Coverage is secondary when renting in your country of residence and primary when renting outside your country of residence.
Related reading: Best credit cards for rental car coverage. Covered reasons include an illness or accident affecting you or another family member that prevents you from traveling or a change in military orders. Covered people include you, your spouse and dependent children. Related reading: The best credit cards that offer trip cancellation and interruption coverage.
If your checked baggage is delayed on a common carrier trip, you may be reimbursed for essential items you buy while your baggage is delayed for four or more hours.
Covered items include toiletries, clothing and device chargers. To be eligible, you must pay for at least part of your passenger fare with your credit card or its associated rewards and report delayed baggage to your travel supplier. Related reading: Which credit cards cover baggage delays? Extended warranty protection doubles the period of warranty coverage for up to one additional year on original eligible warranties of three years or less.
This protection applies to purchases made both inside and outside the U. To have protection, you must have used your card or its associated rewards to pay for at least part of the purchase. Related reading: Best credit cards for extended warranties. None of the USAA credit cards charge foreign transaction fees when you use your card for purchases outside the U. Related reading: Best cards with no foreign transaction fees. When you purchase a common carrier fare in full or in part with your USAA card or its associated rewards, you, your spouse and your dependent children may be eligible to receive coverage for loss of life, limb, hearing, speech or sight that occurs related to this common carrier travel.
If you experience an illness or emergency while away from home you can call the benefits center for help. The benefits center may be able to provide medical and legal referrals, prescription assistance, travel planning and other services.
Related reading: 3 crucial mistakes to avoid if you have a medical emergency abroad. Related reading: The difference between credit card fraud and identity theft. The personal identity theft benefit may provide reimbursement for covered expenses that you incur while restoring your identity. You must reside in the U. Related reading: 5 steps to take when your personal information is compromised.
Related reading: The best secured credit cards for building or repairing credit. Related reading: 6 things to do to improve your credit. All seven USAA credit cards currently available have no annual fee. So, assuming you pay your statement balance in full each month and use your credit card responsibly , using a USAA credit card should be better than using a debit card or cash. Related reading: Why you should get and keep a no-annual-fee credit card. The benefits provided by the USAA cards are solid, especially considering none of the cards charge an annual fee.
Another aspect to consider is that some issuers waive annual fees for active-duty military. You want a flashy sign-up bonus. For the most part, USAA specializes in simple, no-fuss plastic with good long-term value. NerdWallet's credit cards team selects the best cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty.
A single card is eligible to be chosen in multiple categories. Show summary. Where USAA cards shine. Where USAA cards fall short. Last updated on December 21, Read our full methodology. Pros Explained. Cons Explained. Rewards Earning Details. Rewards Redemption Details. Transferring Points.
How to Maximize Your Rewards. Outstanding Benefits. Standard Benefits. Cardholder Experience. Security Features. Our Verdict. Cons You must be from a military family to apply Rewards value is unclear at best Small one-time offer, even for a no-annual-fee card. This Card is Best For. Resists or refuses an annual fee on principle or due to cost.
Seeks to maximize points or miles earnings across spending categories. Compare This Card See how this card compares to similar cards.
Full Review. Investopedia Credit Card Rating Methodology. Investopedia is committed to delivering the best credit card recommendations in the industry.
We have applied our proprietary rating methodology to every generally-accepted credit card in the U. Cards that are selected best overall in their respective categories generally feature most if not all of the following attributes: Low or Reasonable Fees Credit card fees come in many forms but the primary ones involve those for annual card membership and balance transfer. There are a myriad of reward and non-reward card options that charge no annual fee but for the many that do assess an annual fee the cost is often justified by their lucrative ongoing rewards and initial signup bonuses.
Balance transfer fees are occasionally waived during introductory periods with certain cards, a factor which is heavily and positively weighted in our scoring model for cards offering this benefit. We rate both introductory APR percentage and length in months along with the midpoint of the variable regular APR interest rate range. Valuable Rewards Credit card reward programs can be based on cash back, points or travel rewards which can be generic or travel partner-specific, as with airline and hotel co-brand card programs.
For cards that offer rewards we determine the value per dollar spent along with average redemption values and assign more favorable ratings to cards that offer superior consumer value.
We also assign value to sign-up bonus offers and their initial spending requirements, when present. Excellent Benefits Credit card benefits cover a range of offerings like concierge service, TSA Pre-check, auto rental coverage, travel accident insurance, lost luggage assistance and free credit scores.
We rate cards on the number and level of over a dozen standard and upscale benefits and provide extra weighting emphasis for those travel-related perks that apply to premium travel cards when present. You can also read the full version of our methodology for a more in-depth look at how we assess cards and award them the best in various categories.
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