Ranked #213/225
Ranked #146/225

Snapshot

Smart Option Visa
Smart Option Visa
USAA Cashback Rewards Plus American Express Card
USAA Cashback Rewards Plus American Express Card
IssuerFirst Citizens BankUSAA
NetworkVisaAmerican Express
Card MaterialPlasticPlastic
Annual Fee$0.00$0.00
Base Rate0.00%1.00%
Travel Rewards0.00x0.00x
Auth. User Fee$0.00$0.00
Foreign Txn Fee3%0%
LifecycleAvailableAvailable

Welcome Offer

BonusNoneNone
Spend Requirement--
Timeline--

Rewards Breakdown

Base Rate0.0% (base)1.0% (base)
Gas Stations0.0% (base)5.0%
military base purchases0.0% (base)5.0%
Supermarket purchases (up to $3,000/year)0.0% (base)2.0%
Anniversary BonusNoneNone
Portal Boost1x1x

Benefits & Partners

Transfer PartnersNoneNone
Annual CreditsNoneNone

Transfer Partners

Pricing Details

Purchase APR15.24% - 25.24%17.15% - 31.15%
Cash Advance APR25.24%31.15%
Penalty APRN/A32.4%
Late Fee$40$35
Balance Transfer Feeundefined% (min $0)undefined% (min $0)

Insurance & Protections

Auto RentalSecondarySecondary
Baggage Delay-Up to $100 per day for 3 days
Baggage Loss--
Cell Phone Protection--
Extended Warranty-Doubles original warranty up to 1 additional year
Purchase Protection--
Return Protection--
Trip Cancellation Interruption-Up to $1,500 per covered person
Trip Delay--
Tsa Precheck Global Entry--

Usability & Experience

Digital WalletN/AN/A
Instant Card Number--
Credit BureausN/AN/A

Strategy & Eligibility

Recommended CreditN/AN/A
Application RulesStandardStandard

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