USAA Rewards

The USAA Rewards card is a modest no-annual-fee option that earns 2 points per dollar on dining and gas and 1 point on everything else. That is a reasonable fit for members whose spending leans toward restaurants and fill-ups, and the lack of a foreign transaction fee makes it usable overseas too. The catch is that 2x in just two categories with a 1x base is thin compared with flat-rate cards that pay more on every purchase. There is also no signup bonus or intro APR to sweeten the start. It works as a simple starter rewards card, but most members can earn more elsewhere once their credit allows.