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Credit Card Benefits Guide

Explore all your credit card benefits.

Discover the valuable coverage and unique services available to you as a cardholder.

View USAA Guide to Benefits (Opens new window)

Call 24/7 to use your card benefits.

Certain terms, conditions and exclusions apply. Refer to the USAA Guide to Benefits for full details.

In the U.S.

Call 844-288-2141

Outside the U.S.

Call 804-673-1675

Travel benefits designed for peace of mind

Auto Rental Collision Damage Waiver

Get built-in car rental coverage worldwide on rentals up to 31 days when you reserve and pay for your rental car with your USAA Bank credit card. To be eligible, decline the collision damage waiver coverage offered by the rental agency. In your country of residence, this coverage is secondary to any other insurance or coverage available to you.

Baggage Delay Reimbursement

If your checked baggage is delayed, you can be reimbursed up to $100 a day, for up to 3 days. Get the essentials you need like clothing and toiletries while waiting for your bags to arrive. To be eligible, pay for your passenger fare with your USAA Bank credit card and report delayed baggage to your common carrier and begin their claim process.

Trip Cancellation and Interruption

You’re covered for up to $1,500 per covered person, for non-refundable prepaid passenger fare, when your travel is interrupted or canceled. This coverage is available when you buy your ticket with your USAA Bank credit card.

Travel Accident Insurance

When you purchase your travel ticket with your USAA Bank credit card, you’re eligible to receive coverage for loss of life or limb. This coverage applies to air travel, ferry, cruise ship, train or bus transportation.

Travel and Emergency Assistance Services

If you get sick or have an emergency while traveling or working anywhere in the world, call the benefits center for help, 24/7. Get medical and legal referrals, prescription assistance and more.

Travel benefits designed for peace of mind

Auto Rental Collision Damage Waiver

Get built-in car rental coverage worldwide on rentals up to 31 days when you reserve and pay for your rental car with your USAA Bank credit card. To be eligible, decline the collision damage waiver coverage offered by the rental agency. In your country of residence, this coverage is secondary to any other insurance or coverage available to you.

File a claim for the auto rental collision damage waiver

Baggage Delay Reimbursement

If your checked baggage is delayed, you can be reimbursed up to $100 a day, for up to 3 days. Get the essentials you need like clothing and toiletries while waiting for your bags to arrive. To be eligible, pay for your passenger fare with your USAA Bank credit card and report delayed baggage to your common carrier and begin their claim process.

File a claim for baggage delay reimbursement

Trip Cancellation and Interruption

You’re covered for up to $1,500 per covered person, for non-refundable prepaid passenger fare, when your travel is interrupted or canceled. This coverage is available when you buy your ticket with your USAA Bank credit card.

File a claim for trip cancellation and interruption

Travel Accident Insurance

When you purchase your travel ticket with your USAA Bank credit card, you’re eligible to receive coverage for loss of life or limb. This coverage applies to air travel, ferry, cruise ship, train or bus transportation.

Travel and Emergency Assistance Services

If you get sick or have an emergency while traveling or working anywhere in the world, call the benefits center for help, 24/7. Get medical and legal referrals, prescription assistance and more.

Auto Deductible Reimbursement

You may qualify to get reimbursed up to $200 of your deductible on a covered auto claim. You must make at least 8 purchases in the previous month.

Auto Deductible Reimbursement isn't available in Washington State.‍ ‍ See note 1

Protection for your cell phone and purchases

Cell Phone Protection

If your eligible phone is stolen or damaged, you can be reimbursed up to $500 when you pay your monthly cell phone bill using your USAA Bank credit card.

Purchase Security

This protects your new purchases against theft or damage for 90 days after you buy them with a USAA Bank credit card or with USAA Rewards. It can replace, repair or reimburse you up to $1,000 per claim and up to $10,000 per cardholder.

Extended Warranty Protection

This extends the time period of the U.S. manufacturer’s warranty, up to an additional year, on items purchased with your USAA Bank credit card.

View USAA Guide to Benefits (Opens new window)

Protection for your cell phone and purchases

Cell Phone Protection

If your eligible phone is stolen or damaged, you can be reimbursed up to $500 when you pay your monthly cell phone bill using your USAA Bank credit card.

File a claim for cell phone protection

Purchase Security

This protects your new purchases against theft or damage for 90 days after you buy them with a USAA Bank credit card or with USAA Rewards. It can replace, repair or reimburse you up to $1,000 per claim and up to $10,000 per cardholder.

File a claim for purchase security

Extended Warranty Protection

This extends the time period of the U.S. manufacturer’s warranty, up to an additional year, on items purchased with your USAA Bank credit card.

File a claim for extended warranty protection

View USAA Guide to Benefits (Opens new window)

Exclusive concierge service for USAA Visa Signature® credit cards

Enjoy 24/7 access to a concierge for restaurant, hotel, travel and entertainment reservations.

Get advice on dining, shopping, leisure activities and more in the area. Before a trip, check on exchange rates or travel requirements.

Take advantage of these great benefits with a USAA Bank credit card.

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Take advantage of these great benefits with a USAA Bank credit card.

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Related footnotes:

  1. In order for coverage to apply, you must use the same USAA Bank Credit Card Account to make 8 or more separate net purchases (purchases minus credits and returns) in the calendar month immediately preceding the loss. This benefit is not offered to individuals residing in, or for auto insurance policies issued within, Washington State, in accordance with applicable state laws. Please refer to the Credit Card Benefits Guide for further details and full terms and conditions.

Related footnotes:

  1. Visa is a registered trademark of Visa International Service Association and used under license.

  2. Membership eligibility and product restrictions apply and are subject to change.

  3. "USAA Bank" means USAA Federal Savings Bank.

  4. Bank products offered by USAA Federal Savings Bank.

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