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How to prequalify for USAA credit cards

This organization allows members to view preselected offers.

Updated

Fact checked

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.

Name Product Filter values Rewards Purchase APR Annual fee
USAA® Rate Advantage Visa Platinum® Card
N/A
6.9% to 23.9% variable
$0
Enjoy USAA's lowest rate card. Pay no annual fee, no penalty APR and no foreign transaction fee.
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
Get 2,500 bonus points with your first purchase. Pay no annual fee, no penalty APR and no foreign transaction fee.
USAA® Preferred Cash Rewards Visa Signature® Card
1.5% cash back on all purchases
11.9% to 25.9% 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.
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
Earn 3x points on dining, 2x points on gas and groceries and 1x points for all other purchases.
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
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.
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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.

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.

Understanding soft and hard credit pulls

When you apply for prequalification, the bank initiates a soft pull. This is a background check that won’t affect your credit.

After you apply, the bank checks your credit with a hard pull. This typically lowers your credit score. However, your score usually drops by just a few points, and it should recover as you keep making on-time payments.

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

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