Best USAA Credit Cards

of July 2024

How to Get a USAA Credit Card

In This Article

Are you a frequent traveler or a savvy shopper searching for a reliable financial companion? Look no further! With USAA (United Services Automobile Association), you gain access to a diverse range of credit cards, each tailored to suit your unique needs and lifestyle.

Enjoy a plethora of rewards, cashback, and exclusive benefits including proactive fraud monitoring features that safeguard you at every step. Take control of your financial future today as you indulge in rewarding experiences with these top 7 USAA Credit Cards:

  1. USAA Preferred Cash Rewards Visa Signature® Credit Card
  2. USAA Rewards™ American Express® Credit Card
  3. USAA Rate Advantage Visa Platinum® Credit Card
  4. USAA Cashback Rewards Plus American Express® Credit Card
  5. USAA Rewards™ Visa Signature® Credit Card
  6. USAA Secured American Express® Credit Card
  7. USAA Secured Visa® Platinum Credit Card

Overview of USAA Credit Cards

How to Choose the Best USAA Credit Card

Pros & Cons of USAA Credit Cards

What to Watch Out For…

Pro Tips

Recap

1. USAA Preferred Cash Rewards Visa Signature® Credit Card

USAA Preferred Cash Rewards Visa Signature® Credit Card

As a savvy shopper, the USAA Preferred Cash Rewards Visa Signature® Credit Card is an excellent choice for you. It gives you cashback rewards on all your purchases with no expiration dates or select categories. Also, you can utilize your card without fear as USAA offers you zero liability for unauthorized transactions.

Pros

  • Special introductory APR offer on purchases
  • Exclusive travel benefits such as accident insurance and auto rental coverage
  • Annual fee is not inclusive

Cons

  • Regular APR applies to the introductory balance after the intro period
  • Unpredictable APR (varies)
  • Earn 1.5% cash back on all purchases (unlimited)
  • Enjoy an introductory APR of 0% on purchases for the first 15 months
  • Pay a regular APR after the intro period ranging from 16.90% to 30.90% based on your creditworthiness
  • Access credit score monitoring for free
  • Incur a 3% fee on both balance transfers and cash advances
  • Pay no fee for foreign transactions and enjoy 0% penalty APR for late payments
  • Access emergency support by contacting a USAA customer service representative online (available 24/7)
  • Receive timely security alerts and make fast payments by utilizing your card with the USAA mobile app

2. USAA Rewards™ American Express® Credit Card

USAA Rewards American Express Credit Card

With the USAA Rewards™ American Express® Credit Card, you earn reward points on your purchases with no foreign transaction fee or annual fee. You also receive extra points on select categories such as gas, dining, and groceries.

Pros

  • Valuable points on purchases with no expiration dates
  • Multiple redemption options
  • Unique features such as extended warranty coverage

Cons

  • Limited to USAA members only
  • Mandatory requirement for membership includes being a military personnel or family to one
  • Unclear value of one-time bonus points offer
  • Receive 3x points on dining and 2x points on gas purchases
  • Earn 2x points on groceries and 1x point on all other purchases
  • Start your account with 0% introductory APR on balance transfers and convenience checks for 15 months
  • Pay a variable APR of 14.90% to 30.90% which applies to introductory balances after the intro period
  • Obtain 2,500 bonus points after you make your first purchase
  • Redeem your points anytime (no expiration date)
  • Pay 3% of the amount you transfer as balance and 3% of the amount you receive as cash advance
  • Manage your account easily through the USAA website or mobile app
  • Enjoy benefits like extended warranty coverage and travel accident insurance

3. USAA Rate Advantage Visa Platinum® Credit Card

USAA Rate Advantage Visa Platinum Credit Card

If you always carry a balance, choose USAA Rate Advantage Visa Platinum® Credit Card as it offers you low interest rates on balance transfers, purchases, and cash advances with zero annual fee. However, its limited rewards program is not suitable for you as a frequent traveler.

Pros

  • Low interest rates
  • Online account access
  • Foreign transaction fees do not apply

Cons

  • Special rewards program are not available
  • High APR if you have a bad credit
  • Exclusive to USAA members only
  • Receive 0% introductory APR for 15 months when you make a request of balance transfer and convenience check within 90 days of opening your account
  • Get a low APR of 11.90% to 28.90% on purchases and cash advances (applies to balance transfer after intro period)
  • Enjoy $0 annual fee and 0% penalty fee
  • Receive specific travel perks and 24/7 customer support
  • Qualify if you’re a USAA member
  • Pay 3% fee for balance transfers and cash advances

4. USAA Cashback Rewards Plus American Express® Credit Card

USAA Cashback Rewards Plus American Express Credit Card

USAA offers you unlimited rewards through its Cashback Rewards Plus American Express® Credit Card. Earn cashback on all your eligible purchases, explore multiple redemption options, and take advantage of exclusive benefits such as extended warranty and price protection.

Pros

  • Foreign transaction fee do not apply
  • Unlimited cashback rewards
  • Valuable welcome bonus

Cons

  • High APR compared to other credit cards with cashback offer
  • Limited introductory APR offer (only available for balance transfer)
  • Mandatory membership requirement
  • Earn a fantastic 5% cashback on the first $3,000 in gas and military base purchases annually, then 1% thereafter
  • Get a generous 2% cashback on groceries, up to $3,000 per year
  • Enjoy unlimited 1% cashback on all other eligible purchases
  • Receive a welcome bonus of $200 cashback after making $1000 of eligible purchases within the first 90 days
  • Transfer balance within the first 90 days and pay 0% introductory APR for 15 months
  • Benefit from a regular APR range of 16.90% to 30.90% depending on your creditworthiness

5. USAA Rewards™ Visa Signature® Credit Card

USAA Rewards Visa Signature Credit Card

Consider the USAA Rewards™ Visa Signature® Card—a top-tier credit card designed for you. Receive generous rewards on your purchases including extra reward points on gas and dining, a one-time bonus offer and exclusive travel perks.

Pros

  • Unlimited reward points
  • Late payment attracts 0% penalty APR
  • Foreign transaction fees do not apply

Cons

  • Limited eligibility (you can only qualify for USAA membership if you are affiliated to the military)
  • High balance transfer fee
  • Special introductory APR offer do not include purchases
  • Get 2,500 bonus points after you make your first purchase
  • Obtain 2X points on gas and dining
  • Receive 1X points on all other purchases
  • Accumulate points (no limit or expiration date)
  • Redeem your points for cash, travel, or gift cards
  • Receive up to $500,000 travel accident insurance
  • Incur a 3% fee on balance transfers (max $200)
  • Take note of the regular APR, ranging from 14.90% to 30.90%
  • Enjoy 0% introductory APR offer on balance transfers and convenience checks for 15 months

6. USAA Secured American Express® Credit Card

USAA Secured American Express Credit Card

USAA Secured American Express® Credit Card, a reliable option to build or rebuild your credit. Secure credit with your own funds as a security deposit and establish a positive credit history by using your card responsibly. Also, while you build credit, USAA allows you to earn interest on your security deposit which is an added financial benefit.

Pros

  • Low security deposit (starting from $250)
  • Annual fee do not apply
  • Major credit bureaus receives your card’s activity report from USAA

Cons

  • Introductory APR offer is not inclusive
  • Special reward offers are not available
  • Maximum credit limit of $5000
  • Pay a variable APR of 27.90% on purchases and balance transfers
  • Take note of balance transfer fee (3% of the transferred amount)
  • Get cash advance and pay 3% of the amount
  • Secure a higher credit limit card after building a positive credit history
  • Benefit from EMV chip security for added protection
  • Travel abroad with your card and pay zero fees for foreign transactions

7. USAA Secured Visa® Platinum Credit Card

USAA Secured American Express Credit Card

Get ready to boost your credit score with the USAA Secured Visa® Platinum Credit Card. You secure the card with a deposit (starting from $250), which determines your credit limit. You can also build credit while enjoying benefits like interest on your security deposit and zero annual fees. Manage your finances wisely and watch your credit soar!

Pros

  • Foreign transaction fee do not apply
  • Flexible credit line options (up to $5000)
  • Convenient in-store or online payments

Cons

  • High APR (27.90% variable) compared to other secured credit cards
  • Initial deposit requirement
  • Unsuitable for large purchases
  • Incur a 3% fee when you transfer balance or receive a cash advance
  • Manage your credit responsibly as USAA reports your card’s activity to credit bureaus
  • Qualify for a USAA credit card with higher credit limit after building a good credit history
  • Note that you cannot use the interest you earn on your collateral deposit to make payments
  • Pay no penalty fee

Overview of USAA Credit Cards

USAA Credit Cards offer you numerous perks as a member such as competitive interest rates, cashback rewards, and travel points for your purchases. Additionally, USAA provides you with excellent customer service, fraud protection measures, and zero liability coverage. Your USAA credit card also comes with no annual fees, making it a great choice for you.

How to Choose the Best USAA Credit Card

To choose the most suitable USAA Credit Card for your personal needs:

  • Evaluate your spending habits and needs
  • Consider rewards and cashback programs
  • Check for low interest rate offers
  • Review fees and charges
  • Verify cardholder benefits and protections

Pros & Cons of USAA Credit Cards

USAA Credit Cards shine among competitors, thanks to its:

  • Attractive cashback and rewards
  • Strong protection against fraud
  • Minimal charges, saving you money
  • Responsive and helpful customer service
  • Exclusive benefits for military members

Before you opt for a USAA Credit Card take note of its:

  • Strict membership criteria (military members or veterans only)
  • Competitive approval process (challenging if you are a new applicant)
  • Variable APRs (fluctuating interest rates)
  • Limited branch network
  • Few introductory offers

What to Watch Out For

While you review the USAA Credit Cards available, watch out for:

  • High interest rates
  • Additional or hidden fees
  • Limited reward programs
  • Unclear terms and conditions

Pro Tips

Consider these pro tips before you start using your USAA Credit Card:

  • Pay your bills on time
  • Monitor transactions for security
  • Keep credit utilization low
  • Set up automatic payments
  • Review credit card benefits annually

Recap

Unlock the full potential of your finances with USAA Credit Cards. Access a diverse selection of tailored options, each offering you valuable rewards and utmost security. Experience exceptional customer service and seize control of your financial journey today!

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