The USAA is a personal credit card from USAA. The annual fee is $95. The ongoing APR is 18.40% to 26.65% variable. Signup bonus: 50,000 bonus points after spending $3,000 on qualifying purchases by January 31, 2027. Rewards: 3X points on travel and transit (air, hotel, car and vacation rentals, rideshare, tolls); 2X points on other purchases; 10,000 bonus points every year after booking a hotel or car through the USAA Rewards Center; up to $120 TSA PreCheck or Global Entry credit every 4 years.