The USAA® Rewards™ Visa Signature® Card categories for bonus rewards are gas and dining. Purchases that fall into the USAA Rewards Visa bonus categories get cardholders extra rewards compared to the card's base earning rate.

Whether a purchase falls into a card's bonus categories depends on “Merchant Category Codes,” which are assigned by the major credit card networks to merchants based on what kind of business they conduct. So if a merchant has the MCC for “gas,” for example, purchases made at that merchant will earn bonus rewards on cards that include “gas” as a bonus category.

When choosing a rewards credit card, it's a good idea to pick a card that offers the opportunity to earn bonus rewards in your most frequent purchase categories. So if you spend a lot in the categories offered on the USAA Rewards Visa, it may be a good card for you.

You can request a USAA® Rewards™ Visa Signature® Card credit limit increase online, through the USAA mobile app, or by calling customer service at (800) 285-8585. To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce...

Yes, it is hard to get the USAA® Rewards™ Visa Signature® Card because it requires at least good credit for approval. Unless your credit score is 700 or higher and you have a lot of income, it will be difficult for you to get approved for the USAA Rewards Visa.

In order to get...

The USAA® Rewards™ Visa Signature® Card foreign transaction fee is 0%. This means you won't be charged extra anytime you use the USAA® Rewards™ Visa Signature® Card outside of the United States. This applies whether it's a purchase at a physical location in a foreign country or an online transaction through an internationally-based merchant.

The USAA® Rewards™ Visa Signature® Card credit score requirement is 700 or better. That means people with good credit or better have a shot at getting approved for the USAA Rewards Visa.

You should note that while your credit score is an important factor, there are plenty of other things that will impact...

To redeem USAA rewards, log in to the USAA Rewards Center online and select a redemption option. USAA also allows cardholders to redeem rewards by calling the phone number on the back of their card or by using the USAA mobile app.

How to Redeem USAA Rewards Online

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USAA Rewards Visa points do not expire as long as your account is open and in good standing. You will forfeit any points you have yet to redeem if you or USAA closes your USAA Rewards Visa account for any reason.

More specifically, once the account is closed, USAA will allow you...

The USAA Rewards Visa Signature credit limit is based on your creditworthiness.

The bank will disclose the credit limit after your application is approved. Please visit this link to apply online.

Yes, the USAA Rewards Visa does offer extended warranty protection. The USAA Rewards Visa extended warranty policy will lengthen the original manufacturer's warranty by up to 1 extra year for warranties of 3 years or less. The maximum coverage amount per item under the USAA Rewards Visa extended warranty policy...

The USAA Rewards Visa does not have purchase protection anymore, since the benefit was removed as part of an industry-wide shift away from traditional secondary perks on credit card offers. This is pretty common, unfortunately. Only around half of the major credit card issuers still offer purchase protection on at...