USAA FSB - Total Rewards Mastercard Reviews

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!

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...

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...

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.

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. 

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.