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Disabled American Veterans USAA Rewards Visa Signature Card Review

Disabled American Veterans USAA Rewards Visa Signature Card Review

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated Jul 26, 2018. Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

Active-duty military, veterans and their family members are probably familiar with USAA, the San Antonio-based financial giant created to cater to their needs. Services available include insurance, banking, investments and tools that help you take full advantage of it all.

But in order to unlock these benefits, you must be active or former military, an eligible family member or a cadet or midshipman and apply to become a member. After approval, you’re eligible for all of USAA’s services, including its branded credit cards.

One to consider is the Disabled American Veterans USAA Rewards™ Visa Signature® Card. This card is one of 23 that specifically benefit nonprofit organizations created to help veterans and their families. Disabled American Veterans (DAV) was formed in 1920 to support vets with services like benefit claims support, rides to attain medical services and employment services. USAA Bank contributes to DAV when members open an account, keep it active and make eligible purchases. Contributions are based on a member’s card activity.

The truth is that you can do better than the Disabled American Veterans USAA Rewards™ Visa Signature® Card when it comes to sign-up bonuses and points per $1 spent. But you can’t beat the specialized services offered by USAA to its members, nor the chance to help support a worthy organization like DAV.

But if you want a card that offers more when it comes to points, sign-up bonuses and perks, then the U.S. Bank FlexPerks® Travel Rewards Visa Signature® card may be a better fit, especially since you have the flexibility to choose which charities you can support and how much you can donate to them. This may be attractive to those who want to choose which military charities they want to support and how much they want to give.

Check out the top military cards.

Where the Disabled American Veterans USAA Rewards™ Visa Signature® Card stands out in its category

New cardmembers get 2,500 bonus points with your first purchase. The rewards are simple: earn one point for every dollar spent on your everyday purchases.

Use the points earned on the card for travel, gift cards and merchandise. You have the option to make further donations to military nonprofit organizations. You can also redeem your points for cash that can either be credited to your card account or deposited into your USAA checking or savings account.

All this can be done at the USAA Rewards Service Center, which you can find at USAA.com or by calling 800-980-8722. There’s no maximum on the points you can earn, and your points don’t expire as long as you have the card. And you can customize your card with two different designs.

The card doesn’t have a purchase intro rate, but there is an intro balance transfer rate of 0% for 12 months APR (after, 12.40% - 27.40% Variable APR.). There’s a fee of 3% on balance transfers and cash advances, $200 maximum.

You get the most bang for your buck with the Disabled American Veterans USAA Rewards™ Visa Signature® Card as an active military member since you have access to benefits under the Servicemembers Civil Relief Act (SCRA). The act protects active-duty members by restricting or limiting actions against them when it comes to credit card and other loan debt incurred before joining the military. It allows them to pay only up to 6% interest, but USAA drops it to 4% interest on existing balances, including credit cards, until a year after completing active duty.

SCRA benefits also help when active-duty personnel are deployed or experience a permanent change of station (PCS). During that time, their credit card APR drops to 4% on all balances for up to 12 months during deployment or PCS. After that, the regular APR returns.

All this comes with USAA customer service agents who have experience with this program and can explain all the benefits available under it.

Where the Disabled American Veterans USAA Rewards™ Visa Signature® Card falls short in its category

You can’t apply for the Disabled American Veterans USAA Rewards™ Visa Signature® Card unless you are a USAA member.

There are other cards besides the Disabled American Veterans USAA Rewards™ Visa Signature® Card that lure you in with bigger sign-up bonuses. You can also earn more points per $1 spent, especially in the travel, dining, gas and groceries categories, with other cards.

While the card does come with a few travel and protection perks, other cards offer more, like lost baggage and trip interruption/cancellation insurance, along with purchase and return protections.

Additional card benefits

  • Concierge services.
  • Collision damage waiver coverage for rental cars.
  • Extended warranty.
  • Travel accident insurance.

Compare it with the U.S. Bank FlexPerks® Travel Rewards Visa Signature® card

While you appreciate all the services and benefits offered by USAA, maybe you want a credit card that offers a more generous sign-up bonus and more points per $1 spent. And maybe you want to choose the charities you support with a credit card. You may want to consider the U.S. Bank FlexPerks® Travel Rewards Visa Signature® card as an alternative to the Disabled American Veterans USAA Rewards™ Visa Signature® Card.

New cardmembers can Earn 25,000 bonus FlexPoints worth $375 on airfare, hotel stays, car rentals and more. Just spend $2,000 in eligible Net Purchases (purchases minus credits and returns) on your card within the first four months of account opening. That converts to $375 that can be spent on travel, like airfare, hotel stays and car rentals.

USAA Bank donates to DAV based on a member’s card activity. With the U.S. Bank FlexPerks® Travel Rewards Visa Signature® card Each billing cycle you earn 1 FlexPoint on all purchases and an additional 1 FlexPoint in one select category (airlines, gas stations, grocery stores, charitable and social service organizations, or cellular services provider merchant) for a total of 2 FlexPoints that you spend the most in. There are no limits on the number of FlexPoints you can earn, but remember to use them before they expire, at the end of the calendar quarter five years from the date when they were earned, or you’ll lose them.

Other cards offer more points per $1 spent for dining, groceries and travel. But for those who travel regularly, the U.S. Bank FlexPerks® Travel Rewards Visa Signature® card has some good perks, including a $25 airline allowance whenever you redeem FlexPoints to book travel. That allowance can be used for things such as baggage fees, in-flight food, drinks or a seat upgrade. You also get 12 free Gogo® Inflight Wi-Fi passes a year after registering your card.

Your FlexPoints can also be redeemed for gift cards, merchandise, magazines and event tickets. If you just want cash back, it comes as a statement credit or a deposit made to a U.S. bank savings, checking or money market account. Or you can use your FlexPoints toward the card’s annual fee. If you’re going to use your points for travel, redeem them in the online Rewards Center. If you decide to book travel by phone, you’ll be charged $25.

The U.S. Bank FlexPerks® Travel Rewards Visa Signature® card has more travel and purchase perks than the Disabled American Veterans USAA Rewards™ Visa Signature® Card. It comes with auto rental collision damage waiver, travel accident insurance, lost luggage reimbursement and roadside assistance.

It also comes with access to the Visa Signature® Luxury Hotel Collection. When you book on the collection’s website, you get VIP perks like a $25 food or beverage credit and a room upgrade upon arrival when available.

There’s concierge services, extended warranty and access to special events, along with discounts at National Car Rental®, Enterprise Rent-A-Car® and Alamo® Rent A Car. And you get free access to your TransUnion® Credit Score.

 

Disabled American Veterans USAA Rewards™ Visa Signature® Card U.S. Bank FlexPerks® Travel Rewards Visa Signature® card
Annual Fee $0 $0 intro* for the first year, then $49*
Regular Purchase APR 12.40% - 27.40% Variable 15.74% to 25.74% Variable
Rewards Earn one point for every dollar spent on your everyday purchases. Each billing cycle you earn 1 FlexPoint on all purchases and an additional 1 FlexPoint in one select category (airlines, gas stations, grocery stores, charitable and social service organizations, or cellular services provider merchant) for a total of 2 FlexPoints that you spend the most in.
Sign-up Bonus Get 2,500 bonus points with your first purchase. Earn 25,000 bonus FlexPoints worth $375 on airfare, hotel stays, car rentals and more. Just spend $2,000 in eligible Net Purchases (purchases minus credits and returns) on your card within the first four months of account opening.
Foreign Transaction Fee None None

 

 


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