USAA Secured American Express® Credit Card

Help build or rebuild your credit with a secured credit card that has no annual fee. Note: View the USAA Rewards™ American Express® Card Rates and Fees.

Apply now with a USAA Rewards™ American Express® Card Join now for a USAA Rewards™ American Express® Card

Your Credit Journey

An American Express® credit card — not a prepaid or debit card
A credit limit that could range from $250 to $5,000, backed by an interest-earning security deposit (Opens pop-up)
Credit card activity reported to three main credit bureaus
If you use your card responsibly, you may qualify for an upgrade to an unsecured USAA credit card.

Rates Note: View the USAA Rewards™ American Express® Card Rates and Fees.

27.65%

Fees

No Annual Fee
No Foreign Transaction Fees
Balance Transfer and Cash Advance fee is 5% of each transaction amount.^{See note1}

View Rates and Fees

Get more out of a secured card.

If you have limited or no credit history or if a financial event has affected your credit, you may want to consider the USAA Secured Credit Card.

Step 1: Apply

If approved, you'll open a certificate of deposit (CD), which is your card's security deposit. The amount you deposit into the interest-earning CD depends on your card's credit limit. This limit starts at $250 but is never more than $5,000. Your CD earns interest and isn't used to make your payments.
Step 2: Use

You can use this card anywhere and add it to your mobile wallet for in-store or online shopping. Using your secured card responsibly by making regular, on-time payments will help build your credit.
Step 3: Build

Your credit information is reported to the three major credit bureaus. Periodically, we'll review your credit history and other factors to see if you qualify for an upgrade to an unsecured credit card.

Benefits and Features

Carry a credit card that's easy to use and manage, with peace of mind built in.

Security and Protection

Rely on us — from secure logons to zero liability for unauthorized transactions.^{See note2}
Set up a variety of alerts on your mobile device to stay informed.
Report a lost or stolen card online or in the app.

Travel Benefits^{See note3}

Auto Rental Coverage
Travel Accident Insurance
Trip Cancellation and Interruption Coverage
Baggage Delay and Reimbursement

Support and Service

Access USAA customer service 24/7 online.
Take advantage of extended warranty protection on U.S. manufacturers' warranties.^{See note3}
Add your card to your phone for fast mobile payments or checkouts.

Secured Credit Card Upgrade Frequently Asked Question

Collapse All Frequently Asked Questions

How do I get a USAA Secured Credit Card upgrade?

We regularly check your account history to see if you can get an upgrade. We'll look at how long you've had your account, how many on-time payments you've made in a row, and other credit criteria to see if you qualify.

Do I have to opt-in for a USAA Secured Credit Card upgrade?

No, we'll automatically upgrade you if you qualify.

How will I know if you upgrade my USAA Secured Credit Card?

If you get an upgrade, we'll send a notification with everything you need to know.

How does the upgrade to an unsecured credit card work?

If you qualify for an upgrade, your account will remain open and it will be converted to an unsecured credit card. Your existing credit history will not be affected.

Will I get my security deposit back if I get a USAA Secured Credit Card upgrade?

Yes. After an upgrade, you can ask us to close your Secured Certificate of Deposit (CD). Otherwise, it'll close on its maturity date. We'll mail you the balance once it's closed.

Available With:

Note 1 There is a transaction fee of 5% of the amount of each Balance Transfer, Convenience Check and Cash Advance. The Cash Advance fee is waived when you transfer funds electronically from your USAA credit card to your USAA Bank deposit account.

Note 2 Zero liability policy: You are not liable for unauthorized use that is reported to us. Unauthorized use means the use of a credit card by someone other than you who does not have actual, implied or apparent authority for such use and from which you do not receive a direct or indirect benefit.

Note 3 Certain terms, conditions and exclusions apply. Please refer to the Credit Card Benefits Guide for further details.

All credit cards subject to approval.

Apple Pay^® is a registered trademark of Apple Inc.

Google Pay is a trademark of Google LLC.

Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.

The Contactless Indicator and Contactless Symbol are trademarks owned by and used with permission of EMVCo, LLC.

American Express is a federally registered service mark of American Express and is used by USAA Federal Savings Bank as the credit card issuer pursuant to a license.

Membership eligibility and product restrictions apply and are subject to change.

"USAA Bank" means USAA Federal Savings Bank.

Bank products offered by USAA Federal Savings Bank, Member FDIC. Credit card, mortgage and other lending products not FDIC-insured.

5787465

USAA Secured American Express® Credit Card

Security Deposit

Variable APR Rates

Penalty APRs

Balance Transfer and Cash Advance Fee

Get more out of a secured card.

Step 1: Apply

Step 2: Use

Step 3: Build