USAA FSB - Total Rewards Mastercard Review

Whoever said the cash back is only available come January is mistaken. Whenever I feel like it, I check my balance. If it's what I consider high enough, I apply it to my credit card balance. Just the way I like to do it.

I get everything (and have since 1975) through USAA. I know I pay a bit more for some things but, to me, it's worth every penny. The customer service is awesome. A bike rider (on a two-lane highway!), turned in front of my mom, who had slowed below the limit and moved over a lane to be careful of this guy. His only 'injury' was a small burn on his ankle from the exhaust pipe. My mom, meanwhile, had to be taken to the hospital for neck and back injuries and she was traumatized for years. This guy hired the shadiest lawyer in town to try to milk USAA, figuring they were so big they'd just pay. Well, a lawyer from USAA heard the whole story (there were lots of witnesses to back up Mom's story) and came down to our small town and not only did they not win, but they had to pay all the legal fees. The judge was furious at the plaintiff for even trying to sue USAA and my mom. The whole time USAA was so comforting to my mom telling her not to worry and she did everything she could and it wasn't her fault. They didn't even raise her rates for all the trouble. This is only one example of the courtesy and genuine caring this company shows its customers. I can't speak highly enough of them.