In the military? USAA credit cards reviewed and compared October 2018

Get valuable rewards with USAA credit cards

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Rewards for active or retired US military members and their loved ones.

USAA hosts a wide array of credit cards that met the needs of military families. Any card in the USAA family comes with safety and security that you can rely on. These cards allow you to set text alerts or transactions, balance alerts and more.

The basics

If you’re affiliated with the military, USAA credit cards is here to support you and your family with your unique needs. If you’re looking to build your credit, check out the secured credit card. If you want to earn rewards points, you can earn up to 2X on select purchases. Use those points for yourself or donate to support the military charity of your choice. These are just a few of the benefits of USAA credit cards. With so many options, you’re sure to find a credit card that meets your needs.

Name Product APR (Annual Percentage Rate) for Purchases Annual Fee
11.65% to 21.65% variable
$35
You can get travel benefits (no foreign transaction fees), retail benefits and collision damage waiver coverage on your rental car.
11.65% to 21.65% variable
$35
Get a card that can help you build credit. Determine your own credit limit. When you apply, you'll open a two-year certificate of deposit (CD) with $250 to $5,000. The balance of your CD is your credit limit.
13.65% to 27.65% variable
$0
Earn 1.5% cash back on every purchase with no limits or category restrictions. Pay no annual fee, no penalty APR and no foreign transaction fees.
8.65% to 25.65% variable
$0
This card offers the same low rate for purchases, cash advances and balance transfers.
11.65% to 27.65% variable
You can get cash back (unlimited) on groceries and gas and on most purchases and get car rental insurance as well.
13.65% to 27.65% variable
$0
Earn $150 bonus after you make $500 in purchases within the first 90 days of opening your account.
12.65% to 27.65% variable
$0
Earn 2,500 bonus points credited to your account with your first purchase and then 1 point per $1 spent. No expiration date.
12.65% to 27.65% variable
$0
This card lets members show their support for The American Legion. Earn one point for every dollar spent on your everyday purchases.
12.65% to 27.65% variable
$0
Get 2,500 Bonus Points after your first purchase. Start earning 1 point for every $1 spent. Redeem your points and donate to your favorite military affiliate group.

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The perks

Here are a few of the benefits of the USAA cards:

  • Military benefits. Get additional benefits for members of the US Armed Services including rates and fees consideration, Servicemembers Civil Relief Act (SCRA) and military campaign benefits.
  • Safety you can count on. You are liable for $0 of any unauthorized transactions made with your card. Text alerts can also be set up for changes made and more to keep you in the know about activity on your card.
  • New ways to pay. Use Apple Pay when it’s time to pay to make your transactions faster and easier.
  • Freedom to travel. If you travel abroad, you’ll won’t pay foreign transaction fees.
  • Go mobile. With USAA you’re able to manage your account online or on your phone.

Features

What do I need to know before I apply?

Eligibility criteria

In order to apply for the USAA credit cards, you must be a member of the military, a veteran who was honorably discharged or an eligible family member of military personnel. You also must be:

  • A US citizen or permanent resident
  • At least 18 years old

Required documents & information

  • Full name and address
  • Marital status
  • Birthdate
  • Contact information
  • Proof of employment and income

Bottom line

Whether you’re looking to build your credit or earn rewards, USAA has a wide variety of cards. Choosing a credit card is a big financial decision, and it’s important to review all of your options before selecting one. Be sure to compare other credit cards before you make a final decision.

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Frequently asked questions

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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info
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