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USAA balance transfer credit cards

Here's how to transfer a balance to your USAA credit card.

Updated

Fact checked

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
USAA Military Affiliate Card
1x points on all purchases
10.9% to 25.9% variable
$0
Earn 2,500 bonus points when you make your first purchase and earn 1x points on all purchases.
Wounded Warrior Project USAA Rewards™ Visa Signature Card
1x points on all purchases
10.9% to 25.9% variable
$0
Get 2,500 bonus points after your first purchase and earn 1x points on all purchases.
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How to apply for a balance transfer with USAA

  1. Become a USAA member. You can’t apply for a USAA credit card unless you’re a USAA member. You’ll need to be an active, retired or separated military member with honorable discharge or an eligible family member.
  2. Choose a USAA balance transfer card and verify its details.
    On the card page, you’ll see your intro APR offer. Also, you can see the range of ongoing APRs you might receive.
  3. 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.
  4. Request the balance transfer. During the application process, you can request up to five balance transfers. You can also do this over the phone after you’ve opened your account or online at USAA’s dedicated balance transfer page.
  5. Wait for your balance transfer to finish.
    Electronic balance transfers typically complete relatively quickly, usually in five or so business days, though this may take longer. You can check the status of your balance transfer online while you wait. In the meantime, keep paying creditors to avoid late fees and hits to your credit score.

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

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.

Consider a balance transfer card from another brand

Citi® Diamond Preferred® Card

  • 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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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.

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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.

Does USAA offer any 0% APR balance transfer cards?

No. As of this writing, none of USAA’s credit cards provide an intro 0% APR balance transfer period. The closest you can get is the potentially low interest rate offered by the USAA Rate Advantage Visa Platinum® Card.

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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