Earn rebates up to 1.25% on your everyday purchases.
Enjoy variable rates as low as 9.9% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the Prime Rate.
No annual fee and no minimum finance charge.
Your cash rebate is awarded every January for the purchases made the previous 12 months.
There's no limit to the amount you can earn.
On your billing date each January, we will determine the dollar amount of all the Purchases that posted to your Account during the previous 12 billing cycles (the "Rebate Period"), less any purchase credits, returns or adjustments that are not payments (the "Annual Net Purchases").
As long as your Account remains current, open and in good standing during the entire Rebate Period, we will provide you with a USAA Cash Rewards Rebate on your Annual Net Purchases in the following amounts:
If your annual net purchases are: Your Cash Rewards Rebate will be:
$0 to $5,000 0.45% of all Annual Net Purchases
$5,000 to $10,000 $22.50 plus 0.85% of Annual Net Purchases over $5,000
$10,000 to $17,000 $65 plus 1% of Annual Net Purchases over $10,000
$17,000 or more $135 plus 1.25% of Annual Net Purchases over $17,000
No rebate is earned on Cash Advances, including Convenience Checks, ATM withdrawals and Balance Transfers. At our option, we will issue your USAA Cash Rewards Rebate either as a credit to your Account on your January statement or as a check mailed to the address where we mail your Account statements. All accrued rebates will be forfeited if your Account is closed or becomes past due, over-limit, or otherwise in default at any time.