How do I check my USAA Rewards Visa Signature balance?

A credit balance refund on the USAA® Rewards™ Visa Signature® Card is a reimbursement for paying more than the total balance owed on the credit card. For example, a cardholder who has a balance of $200, but pays $300, can get a credit balance refund of the $100 that they overpaid.

Cardholders can request a USAA Rewards Visa credit balance refund: by phone (... read full answer1-210-531-8722) or by sending a written request to

USAA
9800 Fredericksburg Rd.
San Antonio, TX 78288

They can get their refund in the form of a check. Legally, a credit card issuer is obligated to issue a credit balance refund within seven business days of your request for one.

Please note that you are not required to request a credit balance refund if you overpay your USAA Rewards Visa. If you have a negative balance on your account, meaning you’ve paid more than you owe, future purchases will be credited until the balance is back to zero. If you maintain a negative credit balance for six months, USAA is required to offer you a refund.

The easiest way you can pay your USAA Rewards Visa is either online or through the mobile app. Alternatively, you can make a payment over the phone at 1-800-531-8722, by mail or at a branch. USAA allows cardholders to set up automatic payments, too.

How to Pay Your USAA Rewards Visa

• Online: Log in... read full answer to your online account and click on "Pay bills." Then, choose how much to pay, when to pay it, and where the payment is coming from.
• Through the mobile app: Log in to your account and select your card, then tap "Pay bills."
• Over the phone: Call 1-800-531-8722 and enter your card information when prompted.
• By mail: Send a check or money order (but not cash) to:
  USAA Credit Card Payments
  10750 McDermott Fwy
  San Antonio, TX 78288-0570
• At a branch: You can make a payment at any USAA branch during normal business hours.

If you choose to make a payment via mail, make sure to always send it at least 5-7 days before the due date. Write your credit card number on the check, too.

To dispute a USAA® Rewards™ Visa Signature® Card charge, log in to your USAA Rewards Visa account online and search for the transaction to dispute, or call USAA customer service at 1 (800) 531-8722. Alternatively, the address to dispute a charge by mail is:

Credit Card Resolution Services
PO Box 34894
San Antonio, TX 78265.

USAA Rewards Visa disputes are typically resolved within 30 days, though more complex issues may take a little longer.... read full answer

How to Dispute a USAA Rewards Visa Charge Online

1. Log in to your online account.
2. Click the "Account Activity" tab.
3. Search for the transaction in question.
4. Select the transaction for more details.
5. Click "Dispute Transaction" to open an inquiry.
6. Check for a confirmation e-mail from USAA verifying receipt of the inquiry.

Before you dispute a charge through USAA, you should first contact the merchant associated with the charge on your card. Merchants have easier access to your purchase information and should be better able to quickly remedy the issue. If for some reason, the merchant is unable or unwilling to work with you on a disputed charge, you can then file a dispute with USAA.

Once you’ve initiated the dispute, USAA will then contact the merchant and review any information provided by both parties. You won’t be charged for the disputed transaction, nor any associated fees or interest, while the dispute is under investigation. And you can still use your USAA Rewards Visa as you normally would while a dispute is ongoing.

USAA will notify you of the outcome of the dispute after they’ve completed their investigation. They will either issue a chargeback to your account for the contested amount, or allow the charge to stand. If the disputed charge is ruled to be valid, you would then have to pay that amount, including any applicable fees and interest charges that accrued during the dispute, starting from the original purchase date.