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USAA Military Affiliate Card review

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Support a military affiliate group using this card.

  • Get this card if you currently serve, or have served, in the US armed forces and want a rewards card with no annual fee.
  • Pick something else if you don’t meet USAA eligibility requirements or want a card with bigger rewards.
  • Apply with a good to an excellent credit score of 670 or higher.


Points as welcome offer

Up to 1x



Annual fee

12.65% to 27.65%

Purchase APR (variable)


Product NameUSAA Military Affiliate Card
Card typeVisa
American Express
Annual fee$0
Purchase APR12.65% to 27.65% variable
Balance transfer APR0% intro for the first 12 months (then 12.65% to 27.65% variable)
Balance transfer fee3%
Cash advance rate12.65% to 27.65% variable
Cash advance fee3% of the cash advance amount
Foreign transaction feeNone
Interest free periodUp to 25 days
Late payment fee$35
Returned payment fee$35
Additional cardholder fee$0

Expert review

Steven Dashiell

Review by

Steven Dashiell is a credit cards staff writer at finder.com. He's worked on over 150 Finder articles to help readers embrace and maximize credit cards. Steven has nearly a decade of research and reporting experience, and has also been a reporter and editor for several healthcare newsletters.

Expert review

This is a great all-around credit card for military and ex-military members as it offers reward options, an introductory APR on balance transfers and convenience checks with no annual fee.

While the rewards aren’t the highest you can find with a military card, this card’s Swiss-army-knife approach to features makes it a simple and valuable everyday option. Plus, the USAA will donate a portion of your purchases to the military organization of your choice.

This credit card is for those who serve, or have previously served, in the US armed forces. The USAA Military Affiliate Card can also help you build credit, and they offer additional perks such as rewards.

Card benefits

  • 0% Introductory APR for 12 months.Get an intro APR on balance transfers and convenience checks that post within the first 12 months. The 12.65% to 27.65% variable regular APR will apply after that.
  • Earn points.
    Get 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.
    Get access to this card if you’re a member of one 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).
  • No annual fee.
    Don’t worry about having to pay anything to own the card.
  • Variable rates.
    Get as low as 12.65% variable APR Annual Percentage Rate on purchases and cash advances.

What to watch out for

  • Eligibility.
    You’ll need to be a current or former member of the US armed forces to use this card.
  • Modest rewards.
    There are military credit cards out there with higher reward potential.

USAA Military Affiliate Card Features

  • Regular APR. Annual Percentage Rate for purchases, balance transfers, and cash advances, based on your creditworthiness and other factors. This APR will vary with the market, based on the Prime Rate.
  • Introductory APR. For balance transfers and convenience checks. Introductory APR for . After , your APR will be , based on your creditworthiness and other factors. This APR will vary with the market, based on the Prime Rate.
  • Penalty APR. None.
  • Balance transfer fee. Credit worthiness.
  • Cash advance fee. 3%. Fee waived when transferring funds electronically to a USAA deposit account.
  • Foreign transaction fee. None.
  • Late payment fee. $25 for the first return payment within prior six billing periods, otherwise $35.
  • Over-the-credit-limit fee. $0.
  • Reward points can be redeemed for any of the following:
    1. Airline Travel Rewards — toward the purchase of an airline ticket.
    2. Merchandise and Gift Card Rewards — for available merchandise and gift cards.
    3. Cash Redemption Rewards — for cash.
    4. Charitable Contribution Rewards — for a donation to participating charities.
    5. Cruise Travel Rewards — toward the purchase of a cruise ticket.

Compare no annual fee credit cards

Name Product Annual fee Balance transfer APR Purchase APR Filter values
0% intro for the first 15 months (then 15.74%, 21.74% or 25.74% variable)
0% intro for the first 15 months (then 15.74%, 21.74% or 25.74% variable)
Earn unlimited 1.5% cash back on every purchase, every day.
17.24% to 26.24% variable
17.24% to 26.24% 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
13.74%, 19.74% or 23.74% variable
0% intro for the first 12 months (then 13.74%, 19.74% or 23.74% variable)
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
0% intro for the first 15 months (then 14.49% to 25.49% variable)
0% intro for the first 15 months (then 14.49% to 25.49% variable)
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
0% intro for the first 15 months (then 14.49% to 25.49% variable)
0% intro for the first 15 months (then 14.49% to 25.49% variable)
Unlimited 1.5% cash back. Rates & fees

Compare up to 4 providers

What do I need to know before I apply?

Eligibility criteria

In order to apply for the USAA Military Affiliate 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

Bottom line

The USAA Military Affiliate Card is a more than solid credit card choice for military members and one that happens to include a number of useful perks. Make sure you choose your favored military organization to get your donations rolling with each purchase.

Compare rewards credit cards for even more ways to earn for your spending.

Frequently asked questions

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  1. Default Gravatar
    May 27, 2017

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

    • AvatarStaff
      June 19, 2017

      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.


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