Best USAA Credit Cards

of June 2024

USAA Preferred Cash Rewards Visa Signature® Credit Card

In This Article

Introduction

Are you a business owner in search of a reliable credit card to effectively manage your company’s expenses? Well, you’re in luck! Here is an exclusive selection of the best USAA credit cards that perfectly suit your unique business needs.

Whether you’re a proud owner of a small enterprise or a larger organization, these credit cards offer an array of exceptional benefits and features that specifically support your business endeavors.

Note: USAA doesn’t issue business credit cards, but you can use its personal credit cards for business purposes.

But first, clarify what USAA credit cards are. USAA credit cards are financial tools specifically customized to help business owners like you handle their company’s financial transactions. They come with a range of benefits and features to assist in managing expenses, earning rewards, and providing added financial security.

So dive into exploring the impressive array of USAA business credit cards available to help take your business to the next level.

  1. USAA Rewards™ American Express® Card
  2. USAA Cashback Rewards Plus American Express® Card
  3. USAA Rate Advantage Visa Platinum® Card
  4. USAA Rewards™ Visa Signature® Credit Card

1. USAA Rewards™ American Express® Card

USAA Rewards American Express Credit Card

With this exceptional card, every purchase you make earns you valuable reward points. You can redeem these points for a variety of enticing options, including cash, travel, gift cards, and more.

The best part? You enjoy a competitive interest rate and, even better, there’s no annual fee to worry about. This means you can maximize your rewards without any unnecessary costs eating into your business’s bottom line. It’s a win-win situation that undoubtedly benefits both you and your business.

Pros

  • Offers rewards on all purchases.
  • Provides a no-annual fee option.
  • Gives a competitive interest rate.
  • Provides extended warranty and purchase protection.
  • Offers travel and emergency assistance services.

Cons

  • Limits acceptance compared to Visa or Mastercard.
  • Requires USAA membership.
  • Rewards: Earn 2X points per dollar spent on gas and dining purchases and 1X point on all other purchases.
  • Introductory Offer: Enjoy a 0% APR on balance transfers for the first 12 months.
  • APR: Variable APR between 11.90% and 25.90% based on creditworthiness.
  • Annual Fee: None.
  • Membership Requirement: USAA membership is required.

2. USAA Cashback Rewards Plus American Express® Card

USAA Cashback Rewards Plus American Expresss Card

This card specifically caters to your cashback needs. It offers generous cashback on your everyday purchases, allowing you to earn valuable rewards while conducting your regular business activities.

What’s more, this card doesn’t stop at cashback alone. It also provides you with additional benefits that can enhance your peace of mind and protect your business, such as extended warranty coverage and travel accident insurance.

With the USAA Cashback Rewards Plus American Express® Card, you can earn cashback rewards and enjoy valuable perks that go beyond the typical credit card offerings, making it an excellent choice for your business.

Pros

  • Gives up to 5% cashback on gas and military base purchases.
  • Provides 2% cashback on groceries.
  • Offers 1% cashback on all other purchases.
  • Does not charge an annual fee.
  • Provides extended warranty and purchase protection.
  • Offers travel accident insurance.

Cons

  • Requires USAA membership.
  • Limits acceptance compared to Visa or Mastercard.
  • Cashback Rewards: Earn 5% cash back on gas and military base purchases, up to $3,000 in combined spending annually; 2% cash back on groceries, up to $3,000 in combined spending annually; and 1% cash back on all other purchases.
  • Introductory Offer: Enjoy a 0% APR on balance transfers for the first 12 months.
  • APR: Variable APR between 11.90% and 25.90% based on creditworthiness.
  • Annual Fee: None.
  • Membership Requirement: USAA membership is required.

3. USAA Rate Advantage Visa Platinum® Card

USAA Rate Advantage Visa Platinum Credit Card

If your business seeks a low-interest credit card with minimal fees, then the USAA Rate Advantage Visa Platinum® Card is the ideal choice for you. This card meets your needs for cost-effective financing. With a low variable APR, you can enjoy the advantage of reduced interest charges, allowing your business to save on financing costs.

Additionally, the USAA Rate Advantage Visa Platinum® Card doesn’t burden you with an annual fee, ensuring that you can manage your expenses without any unnecessary charges eating into your budget.

By prioritizing affordability and providing a streamlined approach to financing, this card empowers your business with a cost-effective solution that can contribute to your financial success.

Pros

  • Offers a low variable APR.
  • Does not charge an annual fee.
  • Provides competitive interest rates on purchases and balance transfers.
  • Gives extended warranty coverage.

Cons

  • Limits the rewards program.
  • Requires USAA membership.
  • APR: Variable APR between 7.90% and 24.90% based on creditworthiness.
  • Introductory Offer: Enjoy a 0% APR on balance transfers for the first 12 months.
  • Annual Fee: None.
  • Membership Requirement: USAA membership is required.

4. USAA Rewards™ Visa Signature® Credit Card

USAA Rewards Visa Signature Credit Card

With every business purchase you make, you earn valuable rewards that can be utilized for various purposes, enhancing the value you receive from your expenses. Additionally, this card goes above and beyond by providing valuable travel benefits such as travel accident insurance, offering you peace of mind during your business trips.

Moreover, the USAA Rewards™ Visa Signature® Credit Card eliminates the hassle of foreign transaction fees, saving you money on international business expenses. With this card in your wallet, you not only enjoy the benefits of a versatile rewards program but also reap the rewards of additional travel perks, making it an excellent choice for your business endeavors.

Pros

  • Offers 2X points per dollar spent on gas and dining purchases.
  • Provides 1X point on all other purchases.
  • Does not charge an annual fee.
  • Gives rewards redemption flexibility.
  • Provides travel accident insurance.
  • Eliminates foreign transaction fees.

Cons

  • Requires USAA membership.
  • Limits acceptance compared to Mastercard.
  • Rewards: Earn 2X points per dollar spent on gas and dining purchases and 1X points on all other purchases.
  • Introductory Offer: Enjoy a 0% APR on balance transfers for the first 12 months.
  • APR: Variable APR between 11.90% and 25.90% based on creditworthiness.
  • Annual Fee: None.
  • Membership Requirement: USAA membership is required.

Overview of the Best USAA Business Credit Cards

As a business owner, you know the importance of having a reliable credit card to manage your company’s finances. USAA offers a range of business credit cards tailored to your unique needs.

In this overview, you go through choosing the best USAA business credit card which includes the USAA Rewards™ American Express® Card that offers rewards on all purchases, the USAA Cashback Rewards Plus American Express® Card with cashback on gas and groceries, the USAA Rate Advantage Visa Platinum® Card with low-interest rates and no annual fee, and the USAA Rewards™ Visa Signature® Credit Card that provides versatile rewards and travel benefits.

How to Choose the Best USAA Business Credit Cards

  1. Assess Your Business Needs: Consider the specific needs of your business, such as rewards, cashback, low-interest rates, or travel benefits. Identify which features are most important to you.
  2. Evaluate Spending Patterns: Analyze your business’s spending patterns to determine which categories, such as gas, dining, or office supplies, have the highest expenses. Choose a credit card that offers rewards or cashback in those areas.
  3. Review APR and Fees: Compare the annual percentage rates (APR) and fees associated with each credit card option. Look for competitive interest rates, low or no annual fees, and consider any applicable balance transfer fees.
  4. Consider Membership Requirements: Keep in mind that USAA business credit cards require USAA membership. Ensure you are eligible and willing to become a member before applying for a specific card.

Pros & Cons of the Best USAA Business Credit Cards

  • Offers member benefits such as competitive interest rates, extended warranty coverage, and purchase protection.
  • Tailors features and perks specifically for small business owners, including rewards on business expenses and cashback on specific categories.
  • Eliminates foreign transaction fees, making it convenient for frequent travelers and international purchases.
  • Provides access to online tools for easy management of accounts, expense tracking, and payment reminders.
  • Limits acceptance compared to other networks like Visa or Mastercard.
  • Requires membership to access USAA business credit cards.
  • Varies APRs that may fluctuate based on market conditions and creditworthiness.
  • Offers rewards programs, but they may be limited compared to other providers.

What to Watch Out For

  • Limited Acceptance: USAA cards may have limited acceptance compared to widely accepted networks like Visa or Mastercard. Ensure the card is accepted at the places you frequently do business.
  • USAA Membership Requirement: To access USAA business credit cards, you must become a USAA member. Familiarize yourself with the membership process and eligibility criteria.

Pro Tips

  1. Maximize Rewards: Optimize your rewards potential by using your business credit card for eligible expenses, such as office supplies, business travel, or utility payments.
  2. Set Up Payment Reminders: Avoid late fees and penalties by setting up payment reminders or auto-payments to ensure timely payment of your credit card bills.
  3. Monitor Your Spending: Keep track of your business expenses to manage your budget effectively. Use the card’s online banking tools or mobile apps to monitor your transactions regularly.

Recap

In summary, the best USAA business credit cards offer a range of benefits for business owners. They include rewards on purchases, cashback options, low variable APRs, extended warranty coverage, and travel accident insurance.

While these cards have no annual fees and provide flexibility in rewards redemption, it’s important to note their limited acceptance compared to Visa or Mastercard, as well as the requirement for USAA membership. Consider your business’s specific needs and priorities to choose the card that aligns best with your financial goals and preferences.

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