USAA balance transfer credit cards

USAA balance transfer credit cards

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Your electronic balance transfer could be processed relatively quickly and you could get a low ongoing APR with USAA — but there are lower ones out there.

Compare USAA balance transfer credit cards

USAA only offers a couple of cards with intro balance transfer periods.

Name Product Filter values Rewards Purchase APR Annual fee
1x points on all purchases
12.65% to 27.65% variable
Earn 2,500 bonus points when you make your first purchase and earn 1x points on all purchases.
1x points on all purchases
12.9% to 27.9% variable
Get 2,500 bonus points after your first purchase and earn 1x points on all purchases.

Compare up to 4 providers

What are the benefits of a balance transfer with USAA?

Here’s why you might consider making a balance transfer with USAA:

Support a military organization.

USAA partners with almost 60 military organizations for its cobranded cards. You can get a card emblazoned with your organization’s logo.

You could qualify for a low ongoing APR.

With strong credit, you could receive a low ongoing purchase, balance transfer and cash advance APR.

Earn rewards.

Both USAA Military Affiliate Card and Wounded Warrior Project USAA Rewards™ Visa Signature Card offer 1x points on every purchase.

Quick balance transfers.

Allow three to five business days for electronic balance transfers to complete. For all other transfers, allow seven to 10 business days.

With other providers, it could take up to four weeks.

What are the drawbacks of a balance transfer with USAA?

Here’s why USAA might not be the best balance transfer provider for you:

You’ll find stronger intro APRs elsewhere.

A 12-month intro APR can feel underwhelming when you can find one for 15 to 21 months with another provider.

You might get a very high ongoing APR.

With poor credit, you could receive a high ongoing purchase, balance transfer and cash advance APR.

USAA eligibility is limited.

You must be an eligible military affiliate to apply for a USAA card.

What debts are eligible for a balance transfer with USAA?

You can transfer debt from …

  • Non-USAA credit cards.
  • Retail store credit cards.

You can’t transfer debt from …

  • Another USAA account.

Can I transfer balances to another USAA card?

No. This type of policy is common throughout the credit card industry.

Eligibility requirements

You can apply for a USAA credit card if you:

  • Are an active or former military member, an eligible family member, a cadet or a midshipman.
  • Are at least 18 years old.
  • Are a US citizen or permanent resident of the US.
  • Have a valid Social Security or taxpayer identification number.

What do I need to apply?

Have the following information on hand before you apply for a USAA card:

  • Full name.
  • Mailing address.
  • Email address and phone number.
  • Date of birth and Social Security number.
  • Employment information and total annual income.

How to apply for a balance transfer with USAA

  1. Choose a USAA balance transfer card and verify its details.
    On the card page, you’ll see the intro APR you’ll receive. Also, you can see the range of ongoing APRs you might receive.
  2. Apply for the card.
    Click Apply now to start your application. Log in to your USAA account or sign up as a USAA member. You can request up to five balance transfers while you apply for a card.
  3. Wait for your balance transfer to finish.
    Electronic balance transfers typically complete relatively quickly. In the meantime, keep paying creditors to avoid late fees and hits to your credit score.

How long will it take to complete a balance transfer with USAA?

An electronic balance transfer typically takes three to five days. All other transfers usually take seven to 10 business days.

I got the card. Now what?

  • Check that your balance transfer has posted. Log in to your USAA account and click to the Balance transfer history page to see if your status is In progress, Completed or Unsuccessful.
    Consider calling USAA to confirm your transfer is complete. Afterward, you might want to close accounts with other creditors.
  • Make timely payments. Keeping up with payments helps you maintain your intro APR. You may want to set up automatic payments.
  • Contact customer support. Call 800-531-8722 if you have issues with your card. You can also tweet the bank @USAA_Help.

Consider another brand's balance transfer card

Blue Cash Everyday® Card from American Express

  • Earn a $150 statement credit after you spend $1,000 in purchases on your new card within the first 3 months.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%.
  • Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • No annual fee.
  • Terms apply.
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Bottom line

You can receive a decent intro balance transfer APR period with one of USAA’s balance transfer cards. Electronic transfers usually complete relatively quickly — within five business days.

If you’re not sure a USAA card is best for your balance transfer, consider cards from other providers like Barclaycard and Discover.

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