Review: USAA Military Affiliate Card – September 2017

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

The USAA Military Affiliate Card 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
Intro APR for Balance Transfer0% Intro APR for 12 months (with 3% of the amount of each transfer (maximum fee per transfer $200% balance transfer fee)
Balance Transfer Rate (not intro)11.90% to 26.90% variable
APR for Purchases ( Purchase Rate )11.90% to 26.90% variable
Annual fee$0
Cash Advance Rate11.90% to 26.90% variable
Card TypeAmerican Express/Visa
Returned Payment Fee$35
Foreign Currency Conversion Fee (VISA)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
0% of transaction value
Minimum Interest$0
Minimum Credit ScorePoor (Below 660)
Minimum Age18 years of age
Annual fee$0
Returned Payment Fee$35
Over The Credit Line Fee$0
Late Payment Fee$35
Cash Advance Fee3% of the amount of each cash advance (maximum fee for each convenience check: $200). Fee waived when transferring funds electronically to a USAA deposit account.

The basics

This card is an excellent option for building credit. For the first twelve months, a 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 11.90% 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…

    • Introductory APR for . Special Offer: Intro APR for or balance transfers and convenience checks that post within the first 12 months. , the 11.90% to 26.90% variable variable regular APR will apply.
    • Earn points. 2,500 bonus points credited to your account with your first purchase; then earn 1 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.

    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
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    2 Responses

    1. Default Gravatar
      PeterMay 27, 2017

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

      • Staff
        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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