USAA Military Affiliate Card review | finder.com

USAA Military Affiliate Cards review

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A card that lets you show your military pride while supporting a military affiliate group of your choice!

The USAA Military Affiliate Cards is a credit card for Americans who have, or are currently serving, in a branch of the US armed forces or in a veteran’s organization. This card allows you to earn points in exchange for several different rewards such as airline travel, cruise ship travel, merchandise, gift cards, cash or charitable contributions.

Product NameUSAA Military Affiliate Cards
Card TypeVisa
American Express
Annual Fee$0
APR (Annual Percentage Rate) for Purchases12.90% to 27.90% variable
Introductory Balance Transfer APR 0% for the first 12 months (then 12.90% to 27.90% variable)
Balance Transfer Fee3%
Cash Advance Rate12.9% to 27.9% variable
Foreign Transaction FeeNone
Cash Advance Fee3% of the cash advance amount
Interest Free PeriodUp to 25 days
Late Payment Fee$35
Returned Payment Fee$35
Additional Cardholder Fee$0
Minimum Age18 years of age
Welcome OfferEarn points. 2,500 bonus points credited to your account with your first purchase; then earn one point for every dollar in purchases, with no cap or expiration date on points.
Reward Value per Dollar1 points
Rewards Points ExpiryNever

The basics

This card is an excellent option for building credit. For the first twelve months, a 0% introductory APR is offered. You can choose between a Visa Signature Card or an American Express Card — this will earn you 2x points for purchase of gas and groceries.
Compare USAA credit cards

The perks

    • No annual fee. As a cardholder, you do not have to worry about paying an annual fee.
    • Benefits. Security, travel and retail benefits are included with the card, with access to concierge services for traveling.
    • Collision damage waiver coverage. Pays for physical damage and theft to most rental vehicles.
    • Variable rates. As low as 12.9% variable APR Annual Percentage Rate on purchases and cash advances.
    • No penalty charged on APR. You won’t be penalized for making late or missed payments.
    • Reward points. Redeem your points for airline travel, gift cards, cash, charitable contributions or tickets for a cruise.

    You’ll also enjoy…

    • 0% Introductory APR for 12 months. Special Offer: 0% Intro APR for or balance transfers and convenience checks that post within the first 12 months. The 12.9% to 27.9% variable regular APR will apply.
    • Earn points. 2,500 bonus points credited to your account with your first purchase; then earn 1x point for every dollar in purchases, with no cap or expiration date on points.
    • Choose an affiliate. This card is available to members of the following organizations: Air Force (choose among 15 options), Army (15 options), Coast Guard (12 options), Marines (14 options), Navy (15 options), and Veterans’ Groups (17 options).
    • Benefit the military affiliate of your choice. Once you’ve chosen your affiliate branch of the military, you’ll remind others of the service provided by the many branches of the US military, with each swipe of your card.

    Compare no annual fee credit cards

    Name Product Annual Fee APR (Annual Percentage Rate) for Purchases
    $0
    14.99% to 25.99% variable
    Earn up to $250 back. Earn $150 back after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership. Plus, earn an additional $100 back after you spend an additional $6,500 in purchases within your first 12 months. You will receive the cash back in the form of a statement credit. Rates & Fees
    $0
    14.99% to 25.99% variable
    Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
    $0
    14.99%, 18.99% or 24.99% variable
    Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
    $0
    13.99% variable
    A low, variable APR on purchases, balance transfers and cash advances.
    $0
    17.74% to 26.74% variable
    Earn 10,000 Bonus Miles after spending $500 in purchases on your new Card in your first 3 months of Card Membership. Rates & Fees
    $0
    17.74% to 26.74% variable
    Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the Card within your first 3 months of Card Membership. Rates & Fees
    $0
    11.99% to 21.99% variable
    1% cash back to the nonprofits, K-12 schools, colleges and religious organizations of your choice.

    Compare up to 4 providers

    What do I need to know before I apply?

    Eligibility criteria

    In order to apply for the USAA Secured Card, you must be a member of the military, a veteran who was honorably discharged or an eligible family member of military personnel. You also must be:

    • A US citizen or permanent resident
    • At least 18 years old

    Always consider your options and your financial situation before you apply for a credit card.

    Required documents & information

    • Full name and address
    • Marital status
    • Birthdate
    • Contact information
    • Proof of employment and income

    Adrienne Fuller

    Adrienne Fuller leads the publishing team at finder.com. She has one goal: to deliver the accurate and transparent information she wishes she had when she made some of life's important financial decisions. When she's not helping folks save money, she's hiking with her two Catahoulas around her home in San Diego.

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    2 Responses

    1. Default Gravatar
      PeterMay 27, 2017

      What is the average available credit on this card when opened?

      • finder Customer Care
        HaroldJune 19, 2017Staff

        Hi Peter,

        Thank you for your inquiry.

        The credit limit amount you are granted will be dependent upon your qualifications and credit history.

        I hope this information has helped.

        Cheers,
        Harold

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