The USAA has been coming out with a number of great credit cards available exclusively to USAA active, retired, and honorably separated military members. In our review of the USAA Military Affiliate World Mastercard, we’ll look at all of the benefits and fine print involved in this credit card and see how it stacks up to other, similar USAA rewards credit cards.
USAA Military Affiliate World Mastercard Review
The USAA Military Affiliate World Mastercard comes with a great sign-up bonus – after your first purchase, cardholders get 2,500 points worth $25 in travel expenses. Balance transfers incur a 3% fee and foreign transactions incur a 1% fee – not a bad start!
The introductory APR with the USAA Military Affiliate World Mastercard is 0% for the first year and then a variable 10.99% to 25.90%, which is a bit on the high end if your credit score isn’t perfect. That interest rate gets a bit lower for active servicemen and those who are official leave. When it comes to rewards, the USAA Military Affiliate World Mastercard give you 2 points of every dollar spent on gas and groceries and 1 point per dollar on all other purchases. There are no rotating or season categories, making the USAA Military Affiliate World Mastercard a great card for everyday use, earning you points on all purchases. Points are redeemable from the billing website for just about anything, including travel purchases, merchandise, and gift cards. Points earned also have no cap and do not expire – another plus!
Overall, the USAA Military Affiliate World Mastercard is a great card for USAA member, but it’s got nothing on the USAA Cashback Rewards Credit Card, which give cardholders a standard 5% on all purchases. The reward system and fee layout is not dissimilar to the USAA Visa credit card, although this is still a great card for reward points junkies and any active service members.