USAA Rewards Visa Signature Card Calculator

Card Details & USAA Points Calculator
2x Gas Station
2x Dining
Military Benefits
Travel & Purchase Protections

The USAA Rewards Visa Signature Card is USAA Rewards Point earning card that earns bonus points on both gas and dining. The card itself is a slight step down from the USAA Rewards AMEX Card in terms of earnings rewards due to the lower return on dining spend and the absence of the grocery category altogether.

Bonus Categories

The USAA Rewards Visa Signature Card features two bonus categories which are gas and dining. There's no limit to the amount of bonus points you can earn spending across either category and no limit to the amount of points you can earn with the card overall

  • 2x Gas Station
  • 2x Dining
  • 1x Non-Category

Perks & Benefits

The USAA Rewards Visa Signature Card comes with special benefits for military members along with a little bit of travel and purchase protection.

  • Military Benefits
    • Receive a 4% APR on all balances for up to 12 months during deployments or PCS.
    • Special rate on the balance when entering active military duty; lasts until 1 year after completing active duty.
  • Travel & Purchase Protections
    • Extended Warranty
    • Travel Accident Insurance
    • Baggage Delay Insurance

Sign Up Bonus (SUB)

The standard sign up bonus for the USAA Rewards Visa Signature Card is 2,500 points after your first purchase. This is worth around $25 and is the same sign up bonus that's featured on all USAA Rewards credit cards.


Annual Fee

The USAA Rewards Visa Signature Card does not have an annual fee.

Authorized User Fee

There is no authorized user fee to add users to the USAA Rewards Visa Signature Card. If you have friends or family that spend across the two categories on this card, I recommend adding them if you're trying to build your point balance.

Foreign Transaction Fee

The USAA Rewards Visa Signature Card has a 0% foreign transaction fee. This allows you to use the card internationally without being charged extra fees.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Edit Card Options
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

Recommended Reads