USAA Military Affiliate Card

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

The USAA Military Affiliate Card is a credit card for Americans who have served or are currently serving in a branch of the U.S. armed forces or in a U.S. veteran’s organization. The card allows you to earn points that you can exchange for several different types of rewards (airline travel, cruise ship travel, merchandise, gift cards, cash or charitable contributions).

Product NameUSAA Military Affiliate Card
Intro APR for Balance Transfer0% Intro APR for 12 (with After 12 months, your APR will be 11.15% to 26.15% based on your% balance transfer fee)
Balance Transfer Rate (not intro)After 12 months, your APR will be 11.40% to 26.40% based on your creditworthiness and other factors.
APR for Purchases ( Purchase Rate )11.40% - 26.40% Variable
Annual fee$0 p.a.
Cash Advance Rate11.40% to 26.40%
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 Credit ScorePoor (Below 660)
Minimum Age18 years of age
Annual fee$0 p.a.
Returned Payment Fee$35
Over The Credit Line Fee$0
Late Payment FeeUp to $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.
Overseas 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.
Overseas Emergency Replacement$0
Overseas ATM Balance check$0
Overseas ATM Withdrawal Fee$0
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

USAA Military Affiliate Card Review

This card is an excellent option for building credit. For the first twelve months, they are offering a 0.0% introductory APR. They allow you to choose between a Visa Signature Card and an American Express Card. (For the latter, you earn double points for purchases of gas and groceries.)

Benefits of the USAA Military Affiliate Card

  • 0.0% Introductory APR for 12 months. Special Offer: 0.0% Intro APR for 12 months or balance transfers and convenience checks that post within the first three months. After 12 months, the 11.40% - 26.40% Variable variable regular APR will apply.
  • Earn 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.
  • 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. Each time you use your card, you will remind others of the service provided to the country by the affiliate of your choice, as well as by the U.S. Armed Forces in general.
  • Redeem your points for free.
  • No foreign transaction fees. When you travel outside the United States.
  • Collision damage waiver coverage. Pays for physical damage and theft to most rental vehicles.
  • Identity theft resolution services. Provide assistance, should you become the victim of identity theft.
  • Extended warranty. Extends your manufacturer’s or U.S. store-brand warranties for up to one year.
  • Variable rates. As low as 11.40% APR Annual Percentage Rate on purchases and cash advances.
  • No penalty charged on APR.
  • No annual fee or membership fee.

USAA Military Affiliate Card Features

  • Regular APR. Annual Percentage Rate for purchases, balance transfers, and cash advances. 11.40% to 26.40%, 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. 0.0% Introductory APR for 12 months. After 12 months, your APR will be 11.40% to 26.40%, 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. After 12 months, your APR will be 11.15% to 26.15% based on your credit worthiness.
  • Cash advance fee. 3% 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.
  • Foreign transaction fee. None.
  • Late payment fee. $25 for the first return payment within prior 6 billing periods; otherwise $35.
  • Over-the-credit-limit fee. $0.00.
  • 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.

How to apply for the USAA Military Affiliate Card

Ready to apply for this card? It’s easy; simply make sure you meet the following eligibility criteria.

Eligibility criteria

  • You are a U.S. citizen or permanent resident of the U.S.
  • You are at least 18 years old
  • You are a member of the military, a veteran who was honorably discharged, or an eligible family member of military personnel

Required documents & information:

  • Full name
  • Residential address
  • Marital status
  • Birthdate
  • Phone number
  • Email address
  • Proof of employment and income amount
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