Being a military family, we are limited on banks that will truly move with us, around the world. We have been USAA customers for nearly a decade now, and have had the World Mastercard for about 6 years. It's a credit card, it offers rewards, and the rate is ok. What really bugs me though, is that as a company that built it's business on the backs of military members, this card charges foreign transaction fees. I really think this is poor business practice when it comes to the fact that military families live all around the world. We keep the card because we can use it for online purchases and not incur the fee, and plus we will have a card and account in good standing for our return to the U.S. Overall though, I prefer to use another card when we are out and about in Europe, one that doesn't charge us a foreign transaction fee. Available Rates We have a great credit rating, and have had to chew USAA down on the interest rate several times over the years. Biggest pet peeve though is the foreign transaction fee.