USAA Rewards

The USAA Rewards card offers 2 points per dollar on dining and gas with no annual fee, which covers two of the most common everyday spending categories. It also skips foreign transaction fees, so it travels well. The catch is that everything else earns just 1 point per dollar, and there is no signup bonus to give it an early boost. That makes it a modest earner compared with no fee cards that pay a higher flat rate on all purchases. It fits best as a dining and gas card paired with a stronger everyday earner, rather than as your only card.