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How to increase your USAA credit limit

Use your credit card actively and pay your balance before it's due.

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Fact checked

With responsible credit card use, you can get an automatic credit limit increase. But if you don’t want to wait, you can can also request an increase online or by phone. Make sure you’re eligible before requesting the increase to avoid a hard pull on your credit for nothing.

How can I find my USAA credit limit?

Find your credit card limit on your monthly credit card statement, via your online credit card account or call customer service.

How do I know if I am eligible for a credit limit increase?

USAA doesn’t openly list any eligibility criteria on their website. However, all credit card providers weigh in the following:

  • How long you’ve had your credit card account.
  • Paying your credit card balance on time and in full.
  • Active credit card use.
  • An increase in your income.
  • An increase in your credit score.

But even if you meet these requirements, getting a credit line increase isn’t guaranteed.
Note: You can’t request credit limit increase for USAA Classic and USAA secured cards.

How to increase my USAA credit limit

You can increase your USAA credit card limit in four ways.

  1. Submit your request online
  2. Call the bank
  3. Get an automatic credit limit increase
  4. Apply for another card

Before you request your credit line increase, make sure you have all the required information, such as your annual income, employment and occupation, a reason for the request, your monthly credit card spend and mortgage/rent payment.

Submit your request online

It’s easy to request a credit limit increase with USAA. Here’s what to do:

  • Log in to your online USAA account.
  • Select the card you want.
  • Scroll to the Account Services menu and select Change Credit Limit.
  • Provide the required information.
  • Review and submit.

Call the bank

You can also call USAA customer service and request a credit line increase. Here’s how:

  • Call USAA using the number on the back of your credit card.
  • Request your credit limit increase.
  • Provide the required information.

When will I receive the credit limit increase?

Your credit line should change immediately upon approval.

Get an automatic credit limit increase

Like all other credit card providers, USAA can increase your credit limit without your request. This can happen if you:

  • Use your card often. Making frequent purchases with your card could be an incentive for USAA to increase your purchasing power.
  • Pay your full balance on time. USAA may find no reason to risk offering you a higher credit if you don’t.

Apply for another card

If you’re having a hard time getting a credit line increase, you could simply apply for another card. Aside from getting another line of credit, you could get additional perks such as a rewards program, a signup bonus or a 0% intro APR period.

Compare cards with higher credit limits

All credit cards in the table below come with a high credit limit. However, the credit line you receive depends on various factors, including your annual income, employment and creditworthiness.

Data indicated here is updated regularly
Name Product Filter values Rewards Purchase APR Annual fee
Blue Cash Preferred® Card from American Express
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
0% intro for the first 12 months (then 13.99% to 23.99% variable)
$0 intro annual fee for the first year ($95 thereafter)
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $300. This heavy-hitter rewards card has uncontested value. Rates & fees
Blue Cash Everyday® Card from American Express
20% at Amazon.com up to $200 back in the first 6 months, 2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
0% intro for the first 15 months (then 13.99% to 23.99% variable)
$0
This everyday cashback card is ideal for Black Friday and holiday shopping with 20% back at Amazon.com up to $200 back in the first 6 months. Rates & fees
Chase Sapphire Preferred® Card
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
15.99% to 22.99% variable
$95
Earn a signup bonus worth $750 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
Chase Freedom Unlimited®
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
$0
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
Petal® 2
Up to 10% cash back from select merchants, on other purchases earn 1% back, 1.25% after six on-time payments and 1.5% after 12 on-time payments
12.99% to 26.99% variable
$0
Build your credit with rewards and no fees: Apply if you're new to credit or have a fair to good score of 600 or higher. See if you prequalify with no impact to your score.
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Compare up to 4 providers

How is my USAA credit limit determined?

Credit card providers often use the following criteria to determine your credit line amount:

  • Annual income.
    Individuals with higher income tend to get a higher credit limit.
  • Employment.
    Having a steady job is another factor that’s weighed in.
  • Creditworthiness.
    Timely payments and no stains on your credit history could help you get a higher credit line.
  • Utilization rate.
    Keep your utilization rate at 30% or lower to show you can successfully manage your debt.
  • The number of credit card inquires.
    If you apply for too many credit cards at the same time, you could raise a red flag with your creditors. Because of that, you may get a lower credit line than you would otherwise.
  • Apply for a high-end card.
    Cards like Visa Signature or Mastercard World Elite often have high starting credit lines.

How often will USAA increase my credit limit?

USAA doesn’t specify how long one should wait before making a credit limit increase. But to be safe, we recommend waiting at least six months.

If you’re expecting automatic increases, customers have reported receiving one credit line increase per year.

See offers for cards from other brands

CardMatch™ from creditcards.com

  • Find card offers you are more likely to qualify for without impacting your credit score.
  • Save time by comparing matched offers from multiple partner banks.
  • You may be matched to special offers based on your credit profile.
  • See your matched offers in less than 60 seconds.
  • Get matched to the card feature that's right for you. Find cards with low interest, cash back, balance transfers, and travel rewards.
  • Users may not be matched with all offers or banks. Matches are based on a user's credit profile. See the CardMatch terms and conditions for more details.
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Bottom line

If you’d like a boost to your current credit limit, log in to your online account and request an increase. To improve your chances of success, make sure you always pay your balance on time and actively use your credit card.

But if you can’t get a credit line increase, applying for a new credit card can be a solid alternative.

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