How to prequalify for USAA credit cards

USAA exclusively offers prequalification to its members. This enables members to see what products they may be approved for based on their credit profile.

How do I get prequalified for a USAA credit card?

Before you can get prequalified and check for preselected offers, you must be a member of USAA. As a USAA member, log in to your account and click My offers. You’ll see a list of cards you’re preselected for.

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Compare USAA credit cards

Although credit card providers rarely share the credit scores required for approval, they typically prefer consumers with a credit score of 670 and above for cards that offer rewards. USAA mostly offers rewards cards, so you’ll have a better chance of approval with a good to excellent credit score.

The bank offers a card with a purchase, balance transfer and cash advance APR as low as 6.9% variable. To receive that interest rate, you may need a credit score of 720 or higher.

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Name	Product	Filter values	Rewards	Purchase APR	Annual fee
USAA® Rate Advantage Visa Platinum® Card			N/A	6.9% to 23.9% variable	$0	View details	Enjoy USAA's lowest rate card. Pay no annual fee, no penalty APR and no foreign transaction fee.	Compare	loading Fetching your data...
USAA® Rewards™ Visa Signature® Card			2x points on gas and dining and 1x points on all other purchases	9.9% to 25.9% variable	$0	View details	Get 2,500 bonus points with your first purchase. Pay no annual fee, no penalty APR and no foreign transaction fee.	Compare	loading Fetching your data...
USAA® Preferred Cash Rewards Visa Signature® Card			1.5% cash back on all purchases	11.9% to 25.9% variable	$0	View details	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.	Compare	loading Fetching your data...
USAA® Rewards™ American Express® Card			3x points on dining, 2x points on gas and groceries and 1x points for all other purchases	9.9% to 25.9% variable	$0	View details	Earn 3x points on dining, 2x points on gas and groceries and 1x points for all other purchases.	Compare	loading Fetching your data...
USAA® Cashback Rewards Plus American Express® Card			5% cash back on up to $3,000 in combined annual gas and military base purchases, 2% on up to $3,000 at supermarkets annually and 1% on all other purchases	11.9% to 25.9% variable	$0	View details	Earn 5% cash back on the first $3,000 in gas and military base purchases annually on these categories combined. Earn 2% on the first $3,000 on supermarket purchases per year. Unlimited 1% cash back on all other purchases.	Compare	loading Fetching your data...
USAA Military Affiliate Card			1x points on all purchases	10.9% to 25.9% variable	$0	View details	Earn 2,500 bonus points when you make your first purchase and earn 1x points on all purchases.	Compare	loading Fetching your data...
CardMatch™ from creditcards.com			See terms	See issuer's website	See terms	See offer View details	Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.	Compare	loading Fetching your data...

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What are the benefits of a USAA prequalification?

• No impact on your credit score. Prequalification is a standard way to check if you might be a good candidate for certain cards.
• Higher approval odds. You’re more likely to get approval for the products presented to you after prequalification.
• You’re not locked in. Getting prequalified doesn’t mean you have to apply. You’re welcome to shop around with other providers.

Not set on USAA? Take our quiz to find your next card.

What does prequalification mean?

Prequalification means a bank has checked your credit with a soft pull and believes you might be a fit. Though nothing is guaranteed, you have an 80% to 90% chance of approval after getting prequalified.

After submitting a card application, the bank will take a hard pull into your credit profile. It may deny you if it thinks you’re too risky of a borrower.

Bottom line

While nonmembers can’t get prequalified for USAA products, members can look for preselected offers.

If prequalification is important to you but you don’t wish to become a USAA member, try another provider that offers prequalification, such as American Express, Citi, Discover and Capital One.

Frequently asked questions

• What credit cards does USAA offer?

  As of this writing, USAA offers seven cards. You’ll find travel and cashback products. You’ll also find a low-rate card, the USAA® Rate Advantage Visa Platinum® Card, which offers a purchase, balance transfer and cashback APR as low as 6.9% variable.

  USAA announced it will unveil a new secured credit card soon.

• Do USAA products have welcome offers?

  A few USAA cards offer bonus points after your first purchase.

• Do USAA products offer rewards?

  Most USAA products offer rewards. The USAA® Rate Advantage Visa Platinum® Card is an exception, and the provider’s secured card may not have rewards either.

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