USAA FSB - Total Rewards Mastercard

USAA FSB - Total Rewards Mastercard Reviews



Overall 5 star rating4.78 of 5 (by 18 users)



USAA FSB - Total Rewards Mastercard Review Summary

Many financial institutions issue credit cards but few get words of praise like USAA Total Rewards MasterCard, a credit card affiliated with the insurance giant USAA. USAA Total Rewards MasterCard earns rewards, like other reward credit cards, each time a purchase is made. But many things set this card apart, like no annual fee, no over the limit fee, and no other hidden charges. “Fantastic Company, Best Customer Service I Have Ever Experienced”, says one reviewer and others agree that the USAA Total Rewards MasterCard is one of the best Credit Cards available. USAA Total Rewards MasterCard is available only to members of USAA and if this applies to you, current cardholders recommend getting your hands on this credit card as soon as you possible.
83% of people rated USAA FSB - Total Rewards Mastercard as 5 stars
83% of people rated USAA FSB - Total Rewards Mastercard as 5 stars%
83%
11% of people rated USAA FSB - Total Rewards Mastercard as 4 stars
11% of people rated USAA FSB - Total Rewards Mastercard as 4 stars%
11%
6% of people rated USAA FSB - Total Rewards Mastercard as 3 stars
6% of people rated USAA FSB - Total Rewards Mastercard as 3 stars%
6%
No one rated USAA FSB - Total Rewards Mastercard as 2 stars
No one rated USAA FSB - Total Rewards Mastercard as 2 stars%
0%
No one rated USAA FSB - Total Rewards Mastercard as 1 star
No one rated USAA FSB - Total Rewards Mastercard as 1 star%
0%
100% Everyone recommends USAA FSB - Total Rewards Mastercard Everyone recommends USAA FSB - Total Rewards Mastercard 0%
 

USAA FSB - Total Rewards Mastercard Comparison

5 star rating Most Helpful
Favorable Review
NOV
24
2007

This is the best credit card I have ever owned!  USAA does not charge annual fees, redemption fees, or over-the-limit fees.  Their rates are much more competitive than typical credit cards. 

If your account becomes two payments past due, the Delinquency APR will begin to apply to all unpaid balances...

review »
reviewer
free gift card rewards junkie, always pays more than minimum

MKMN1977
San Antonio, TX
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3 star rating Most Helpful
Critical Review
OCT
24
2008
While I agree, as do several investment ratings as well, USAA has MAJOR creditworthiness qualifications. We've had (and love) their insurances for over a decade...but despite this, they wouldn't give me a card for a pint of my blood! Good Luck if you're under 730 beacon
reviewer
in debt

hawgklr
Leesburg, FL
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USAA FSB - Total Rewards Mastercard Ratings and Reviews

items/page: 15 | 30 | 50 displaying 1 to 13 of 18 sort by: most helpful | date | rating


7
helpful
votes
on a strict budget

JUN
24
2008
Although I'm not a big fan of credit cards in general, USAA offers a great deal. They pay cash back rewards which has been a real help at times when we've been short on a payment. They also just lowered our interest rate yesterday after we asked them to. It wasn't that bad in the first place, but they dropped it by two points to 8.9 percent. We use a lot of the USAA services including banking, insurance and loans and I have to say they are a great business for being so big. I can get a live person quickly on the phone just by saying the word "representative" to the voice activated answering service.... review »
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5 star rating
reviewer
Icycreek
Eugene, OR



4
helpful
votes
appreciative of good service, not rich, Every day computer user

NOV
25
2007

I just recently got this card.  I was having an issue with authorizations going through.  I called USAA and received the most awesome service.  They corrected the problem and told me how to provide feedback so others won't run into the same problem!


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5 star rating
reviewer
rsdement
Canoga Park, CA



2
helpful
votes

JAN
11
2009
They truly understand Customer Serivce
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5 star rating
2009 Contributor
mtdorris
Chandler, AZ



1
helpful
vote
Responsible Honest Citizen, an online shopper, appreciative of good service, not rich, always looking for ways to save, Every day computer user, online banker, interest conscious

NOV
27
2007
I have had the USAA card for years and for years before that the USAA company carried my Auto insurance.  I'm not sure how separate the USAA savings bank is from the insurance aspect of their company but it all works seamlessly.  I now have a loan, auto insurance, renters insurance, and my credit card through USAA.  I am planning on switching to their free Banking (checking account) in the near future.  This company is customer friendly.  If you have an issue, they are open to discuss it and really will help.  I had some fees due to something that I had misunderstood, and had not noticed... review »
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5 star rating
reviewer
cocobird
Tunkhannock, PA



1
helpful
vote
Every day computer user, saving a little, budget conscious

JUN
24
2008
This card is great. The rewards are actually useful and have reasonable levels. I have never made a late payment, so I cannot comment on the consequences of that. They've raised my limit so high I will likely never go over it, as well. My APR is VERY low, about half of my other credit cards. I love this card and use it the most of all my cards, except when I travel to developing countries where MasterCard is not accepted.
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5 star rating
reviewer
shauna828
Arlington, VA



D
Every day computer user, an aggressive investor, an aggressive saver

JUN
24
2008

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...

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5 star rating
mgkamish
Katy, TX



D
don't carry a balance, Every day computer user, an online shopper

JUN
8
2008

Not meant to be a full-blown review.  USAA deserves the accolades it gets.  It has been such a pleasure using their Credit Card and dealing with their great customer service, especially after Bank One (now Chase) kept de-activating my fully-paid Visa "for security reasons," **without ever bothering to tell me they had done so** (I always learned the hard -- and often embarrasing -- way).

 Anyway, last night I was more than a bit surprised to discover that USAA, without any advance warning, had reduced its telephone Credit Card CS hours from 24/7, to 8pm close M-F, 4pm close Sat, and no hours...

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4 star rating
reviewer
RML216
Des Plaines, IL



D
in debt, paying cash, Every day computer user, an moderate investor, on a strict budget

MAR
26
2009

USAA has been there to help me with any problem I have had.  No fees, no surprises, even cash advances are free if you send them to your USAA bank account (and no super high interest rate on them either).  It's easy to set up my card to go overseas and maintain top notch fraud protection.  Nicest customer service people ever.

My only complaint was that my variable interest rate was apparently hovering too low and they smacked a minimum on it where it was at the time.  Not that I ever pay interest, but it was the potential that annoyed me.

I don't bank anywhere else.


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5 star rating
reviewer
pamela387
Bay City, TX



D
in debt, Every day computer user

JUN
23
2008
I currenty use their online checking, savings, credit monitoring (through experian), usaa master card, auto insurance, renters insurance, as soon as i am qualified i will be refinancing my car through them, and i hope to finance a home through them. i particularly like the fact that i can access everything i have with them through their easy to navigate website. i know this review is for the card, but i recommend just using them for everything, probably dont have the best deals for every service you need, but the service and how convenient the website is, is alot better in the long run
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5 star rating
reviewer
schugg
Abilene, TX



D
an aggressive saver

JUN
23
2008

USAA is a great company.  We have been members for 20 years.  They have a large range of products from insurance, banking and investments.  As a member we are also able to get discounts on certain things.  The rewards program for the credit card is the best.  First, the card has no annual fee and second the rewards are very flexible.  There are no black out dates on flights etc.  They also have a cash back bonus option. 


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5 star rating
reviewer
mkhanahoe
Eden Prairie, MN



D
willing to pay for quality, an animal rescuer, a pet owner, appreciative of good service, a person who enjoys quality, Dog Owner, animal lover, a woman

FEB
26
2008
I have several credit cards and the one with the least amount of hassle is the USAA mastercard.  They keep the APR at the lowest rate available, and they automatically lower it when they can.  They are also very willing to work with their customers and you can easily get in touch with them for answers to your questions without being put on hold for a while.  I highly recommend this card!
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5 star rating
ZoeKaya
Hattiesburg, MS



D
Every day computer user

JUN
24
2008
I have had this card for about a year now, if I have any problems I can just call the phone number on it. I always get to talk to a person and they are always very nice and patient. I think this is a very good card and have not had any real problems with it. This card is perfect for what I need, it has been great. I have not had any problems with it at all.
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5 star rating
2008 Contributor
ashes03
Iberia, MO



D
paying cash, Every day computer user, an moderate investor, saving a little, love to travel, an amateur photographer, amateur photographer, will pay for quality

APR
13
2009

I applied for the USAA master card and got appoved all within a few minutes. You can apply online. I had a USAA master card a few years ago and decided I missed it. I got 3.9 APR and no annual fee. My credit limit is more than I expected too. I keep this card in my wallet now and use it as my primary card.


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5 star rating
reviewer
adamtheadoeshe
Murphy, NC



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