Get Valuable rewards with USAA Credit Cards

Rewards for active or retired US military members and their family.

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.

Rates last updated July 27th, 2017
APR for Purchases ( Purchase Rate ) Annual fee
USAA Secured Card® Platinum Visa®
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.
10.65% to 20.65% variable $35 More info
USAA Rewards™ Visa Signature®
Earn points on everyday purchases. Earn one point for every dollar spent on your everyday purchases. Get 2,500 bonus points with your first purchase.
10.65% to 26.65% variable $0 More info
USAA Secured Credit Card
Declare your independence with a different kind of credit card.
10.65% to 20.65% variable $35 More info
USAA Preferred Cash Rewards Visa Signature®
Earn 1.5% cash back on every purchase. There's no limit on the amount you can earn.
12.65% to 26.65% variable $0 More info
USAA Cash Rewards® American Express®
You can receive up to 2.25% cash back on groceries and gas, as well as up to 1.25% cash back on most purchases.
10.65% - 26.65% variable $0 More info
USAA Rate Advantage Platinum Visa®
Get price protection and extended warranties on products you purchase, which means you may be eligible for a refund of up to $250 if you are dissatisfied with a product.
7.40% - 24.40% Variable $0 More info
USAA Rewards™ American Express® Card
You can get cash back (unlimited) on groceries and gas and on most purchases and get car rental insurance as well.
10.65% to 26.65% variable $0 More info
USAA Classic American Express®
Get access to rental car collision damage and waiver coverage (don’t worry about physical damage to your rental car) and travel benefits.
18.40% - 24.40% variable $35 More info
USAA Cash Rewards® Visa Signature® Card
You can get price protection and extended warranties for your purchases and rewards for your day-to-day purchases.
10.40% - 26.40% Variable $0 More info
USAA Secured Card American Express®
You can get travel benefits (no foreign transaction fees), retail benefits and collision damage waiver coverage on your rental car.
10.65% and 20.65% variable $35 More info
USAA Classic Platinum Visa®
Besides the classic travel and car insurance benefits, you also get identity theft protection, in case you become a victim.
18.65% - 24.65% variable $35 More info
USAA Cashback Rewards Plus American Express® Card
Get high cash back rewards on most purchases, including gasoline, groceries and military base purchases.
12.40% - 26.40% Variable $0 More info
USAA Military Affiliate Card
Earn 2,500 bonus points credited to your account with your first purchase and then 1 point per $1 spent. No expiration date.
11.65% to 26.65% variable $0 More info

Have we missed anything in the comparison table? Tell us

  • If the provider quotes a different rate to the one above please let us know

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

Always consider your options and your financial situation before you apply for a credit card.

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.

Back to top

Frequently asked questions

Your monthly billing statement is available trough the USAA website and the mobile app.

The interest on your purchases, cash advances and balance transfers is calculated by multiplying the daily periodic rate and the number of days in the billing cycle. These are multiplied by the average of your daily balances. You can avoid paying interest by paying off the entire amount owed before the end of a billing cycle.

Depending on the card there are annual, balance transfer, late payment and cash advance fees. There are also certain cards that charge a foreign currency conversion fee. Have this in mind before you make your decision.

For secured cards, you may be able to increase your limit as your credit score increases. Develop a history of paying bills on time to build your credit limit.

The APR for purchases, balance transfers, cash advances, and penalty APRs will all vary with the market based on the prime rate.

Was this content helpful to you? No  Yes

US Credit Card Offers

Learn about our information service
Luxury Card MasterCard® Gold Card™
Luxury Card MasterCard® Gold Card™

APR

15.74

Annual fee

0 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®
Indigo® Platinum MasterCard®

APR

23.9
variable

Annual fee

75 For the first year
More info
Barclaycard Ring™ Mastercard®
Barclaycard Ring™ Mastercard®

APR

13.99
variable

Annual fee

0 For the first year
More info
Back to top

Read more on this topic

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, read the PDS or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and our Privacy Policy.
feedback