Maria Adams, Credit Cards Moderator
@m_adams
The best way to use USAA points is for travel. When USAA cardholders redeem points for travel, each point is worth around 1 cent, which is more value than the other redemption methods provide.
Ways to Redeem USAA Points
- Cash Back: 0.91 cents per point
- Charity: 0.83 cents per point
- Gift Cards: 0.71 cents per point
- Merchandise: Value varies
People also ask
How much are USAA points worth?
USAA points are worth between 0.70 cents to 1 cent each, on average. The value of USAA points depends on how you choose to redeem them. For example, points from USAA are worth up to 1 cent each when redeemed for travel through the USAA Rewards program, and 0.70 cents each when redeemed for cash back.
USAA Points Value by Redemption Method
| Redemption Method | Average Point... | Value of 1,000 Points |
Which is better, cash back or travel rewards?
Choosing between cash back rewards and travel rewards ultimately comes down to your spending preferences, the perks that specific cards offer, and how you plan to redeem rewards earnings. In general, people looking for flexible redemption options and rewards with clear values that can’t be changed by the card’s issuer should choose cash back rewards. But frequent travelers who enjoy perks such as free flights, airport lounge access, and hotel room upgrades have the chance to earn more...
read full answer by WalletHub, Financial CompanyWhat is the difference between cash back and points?
The difference between cash back and points is that the former is the most versatile type of credit card rewards, as it can be redeemed for anything, and there’s never any doubt about how much it’s worth. Points, on the other hand, have a value set by the credit card company and tend to be worth the most when redeemed for travel. Credit card companies won’t always clearly disclose points values, and those values can change over...
read full answer by Maria Adams, Credit Cards ModeratorDid we answer your question?
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