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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.
So long as you’re a USAA member, checking out your prequalification opportunities is simple:
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.
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.
You’re eligible to join the USAA if:
You can start the USAA membership application by visiting their website and clicking “Join USAA” on the top navigation bar of the homepage.
A prequalification offer means USAA has checked your credit with a soft pull and believes you might be a fit for select number of cards. This isn’t a guarantee of approval, but receiving such an offer through your account means that USAA believes you have a good chance of qualifying.
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.
If you’re not a USAA member and don’t expect to become one anytime soon, you still have a few options for checking your prequalified credit card offers. Several major providers, including Citi, American Express, and Chase offer prequalification on select credit card products.
You’ll need at least a good credit score of 640 or higher to prequalify for USAA’s credit card options. Like other providers, the cards that USAA offers you during prequalification comes down to the credit score of the card versus your financial and credit history.
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.
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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