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How to prequalify for USAA credit cards
If you're a member, you can easily view preselected offers online.
USAA exclusively offers prequalification to its members. Before you can receive preapproval offers in the mail or check your prequalification opportunities, you’ll need to be eligible for membership and go through the membership signup process. Once that’s out of the way though, checking your prequalified offers is easy.
How to prequalify for USAA credit cards
So long as you’re a USAA member, checking out your prequalification opportunities is simple:
- Log in to your USAA account
- On the far right of the second navigation bar, click on My offers.
- In the new section below, you’ll see a list of various offers available to you. This can include special reward offers on existing accounts, as well as prequalification offers.
Since most USAA credit cards require good or excellent credit to qualify, you’ll need at least a good credit score of 670 to prequalify for USAA credit cards.
USAA preapproval credit cards
If you’re a USAA member, USAA may also send you preapproval card offers in the mail. These are cards that USAA is confident you’ll qualify for if you choose to apply. You stand a good chance of obtaining these cards if you apply for them, but examine the card terms and features carefully — preapproval offers aren’t necessarily going to be the best fit for your financial needs.
Who is eligible for the USAA?
You’re eligible to join the USAA if:
- You’re an active, retired or separated veteran with an honorable discharge from the U.S. military.
- You’re an eligible family member of a USAA member. This including spouses, widowers, un-remarried former spouses and children/step-children.
You can start the USAA membership application by visiting their website and clicking “Join USAA” on the top navigation bar of the homepage.
USAA prequalification vs. preapproval
Preapproval on the other hand is a card offer USAA will send to you in the mail. While still not guaranteed, you’re very likely to qualify for the preapproved USAA card offer, as preapproval offers are sent only after a more thorough review of your credit score and finances.
USAA prequalified credit cards alternatives
What credit score do I need to prequalify?
While USAA prequalification offers won’t fall in your lap if you’re not a member, it couldn’t be simpler to check once you have an account up and running.
If prequalification is important to you but you don’t wish to become a USAA member, check out other providers that offer prequalification to find one that fits your needs.
Compare USAA credit cards
Generally speaking, USAA’s card offerings are designed for those with good or excellent credit. A majority of them are rewards cards and those that don’t offer rewards have other strong features, like an incredibly low purchase APR. If you have fair or bad credit, you’ll need to check out other providers for options.
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