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Can I add my USAA credit card to Apple Pay?

Pay in-store with your iPhone or Apple Watch.

If you own an Apple device, you can easily add your USAA credit card to Apple Pay and make purchases in-store by tapping your iPhone or Apple Watch on the payment terminal.

How to set up USAA credit card for Apple Pay

There are two ways to set up your USAA credit card for Apple Pay — with the USAA mobile app or with your Apple device. Here’s how to add it using the USAA mobile app.

  1. Open your USAA mobile app.
  2. In the menu, select Account summary.
  3. Select Add to Apple Wallet.

To add your card using your Apple device, you can do the following.

  1. Open the Wallet app on your Apple device.
  2. Select the + icon at the app homepage.
  3. Select the + icon at the app homepage.
  4. Tap on Debit or credit card and follow the instructions.

How does my USAA credit card work with Apple Pay?

As soon as you add your USAA credit card to Apple Pay, it will be stored as a virtual credit card on your device. This is a security feature to keep your credit card information hidden from merchants. At checkout, unlock your iOS device and bring it closer to the point-of-sale (POS) terminal.

Benefits of using your USAA credit card for Apple Pay

Using Apple Pay to pay for your transactions comes with the following benefits:

  • Make purchases with your Apple device. You don’t have to carry your credit card with you — simply use your iPhone, iPad or Apple Watch at locations that accept Apple Pay.
  • Send money to contacts. Use the messenger app to send money to your contacts. Tap the Apple Pay icon when chatting and enter the amount you want to send.
  • Purchase apps. Use your USAA credit card to purchase iOS apps from the App Store or make in-app purchases.
  • Increased security. Every time you pay with your Apple device, your credit card information is hidden from the merchants.

Bottom line

If you own an iPhone, iPad or an Apple Watch, adding your USAA credit card to Apple Pay can be useful because you can make payments without carrying your physical card. Also, all transactions are encrypted to protect your card from misuse.

But if you don’t find any of USAA’s cards appealing, compare other credit cards and apply for another card that supports Apple Pay.

Frequently asked questions

Kliment Dukovski's headshot

Kliment Dukovski was a personal finance writer at Finder, specializing in investments and cryptocurrency. He's written more than 700 articles to help readers compare the best trading platforms, understand complex investment terms and find the best credit cards for their needs. His expert commentary has been featured in such digital publications as Fox Business, MSN Money and MediaFeed. He’s also well-versed in money transfers, home loans and more — breaking down these topics into simple concepts anyone can understand. In another life, Kliment ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies. See full bio

Kliment's expertise
Kliment has written 102 Finder guides across topics including:
  • Investing
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  • Personal and business credit cards

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