Credit Cards: Become a Member and Apply Online

Rewards Points Cards

Our cards offer rewards points for the way you spend. Redeem points for travel, cash back, gift cards and more.

USAA Eagle Navigator™ Visa Signature® Credit Card

Good news! There is an offer on this card.

Apply now with a USAA Eagle Navigator Visa Signature Credit Card Card details for a USAA Eagle Navigator Visa Signature Credit Card Not a member? Join USAA

Unlimited Rewards^{See note1}

3X points on travel and transit including air, hotel, car and vacation rentals, rideshare, tolls and more
2X points on other purchases

Bonus Rewards

Get a one-time $95 statement credit when you make your first purchase within 90 days of account opening^{See note3}
T S A^{See note4}
Annual 10,000 bonus points (equals $100 in travel) after booking hotel or car through the USAA Rewards Center^{See note5}

See Reward Terms and Conditions

19.65% to 27.90%*

Variable Regular APR

$95 Annual Fee*

*View Rates and Fees

USAA Rewards™ American Express® Credit Card

Apply now for a USAA Rewards American Express Card details with a USAA Rewards American Express Not a member? Join USAA

Unlimited Rewards^{See note1}

3X points on dining
2X points on groceries
2X points at gas stations
1X points on other purchases

Bonus Rewards^{See note1}

2,500 bonus points after your first purchase

See Reward Terms and Conditions

14.65% to 28.65%*

Variable Regular APR

No Annual Fee*

*View Rates and Fees

USAA Rewards™ Visa Signature® Credit Card

Apply now for a USAA Rewards Visa Signature Card details for a USAA Rewards Visa Signature Not a member? Join USAA

Unlimited Rewards^{See note1}

2X points on dining
2X points at gas stations
1X points on other purchases

Bonus Rewards^{See note1}

2,500 bonus points after your first purchase

See Reward Terms and Conditions

14.65% to 28.65%*

Variable Regular APR

No Annual Fee*

*View Rates and Fees

Cashback Cards

Keep it simple with a cashback card that has extra earning potential, or choose one that is category-free.

Cashback Rewards Plus American Express® Credit Card

Good news! There is an offer on this card.

Apply now with a USAA Cashback Rewards Plus American Express Credit Card Card details for a USAA Cashback Rewards Plus American Express Credit Card Not a member? Join USAA

Everyday Cash Back^{See note1}

5% cash back on your first $3,000 in combined gas station and military base purchases yearly
2% cash back on your first $3,000 in grocery purchases yearly
Unlimited 1% cash back on other purchases

See Reward Terms and Conditions

16.65% to 28.65%*

Variable Regular APR

No Annual Fee*

*View Rates and Fees

Important information: If you transfer a balance or write a convenience check to take advantage of the introductory rate offer, you will immediately incur interest on purchases until you pay your balance in full, including any transferred balances.^{See note7}

Preferred Cash Rewards Visa Signature® Credit Card

Good news! There is an offer on this card.

Apply now with a USAA Preferred Cash Rewards Visa Signature Credit Card Card details for a USAA Preferred Cash Rewards Visa Signature Credit Card Not a member? Join USAA

Unlimited Cash Back^{See note1}

1.5% cash back on purchases
No category restrictions

See Reward Terms and Conditions

Auto Deductible Reimbursement^{See note8}

You can qualify to get reimbursed up to $200 of your auto policy deductible when you experience a covered loss, if you make a minimum of 8 purchases in the prior calendar month

See A D R Benefit Guide (Opens New Window for PDF)

16.65% to 28.65%*

Variable Regular APR

No Annual Fee*

*View Rates and Fees

Our Low Rate Card

Take advantage of our lowest interest rate card, whether you're making a purchase or transferring a balance.

USAA Rate Advantage Visa® Platinum Credit Card

Good news! There is an offer on this card.

Apply now with a USAA Rate Advantage Visa Platinum Credit Card Card details for a Rate Advantage Visa Platinum Credit Card Not a member? Join USAA

Our Lowest Rate

Pay less in interest if you carry a balance from month to month
The same variable regular APR on purchases, balance transfers and cash advances

11.65% to 25.65%*

Variable Regular APR

No Annual Fee*

*View Rates and Fees

Build Credit

A secured credit card could be part of a stronger financial future, helping you build or rebuild your credit.

USAA Secured VISA® Platinum Credit Card

Apply now With a USAA Secured Visa Card Card details for a USAA Secured Visa Card Not a member? Join USAA

Your Credit Journey

A Visa® 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.

27.65%*

Variable Regular APR

No Annual Fee*

*View Rates and Fees

USAA Secured American Express® Credit Card

Apply now With a USAA Secured American Express Card Card details for a USAA Secured American Express Card Not a member? Join USAA

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.

27.65%*

Variable Regular APR

No Annual Fee*

*View Rates and Fees

How to choose your next credit card

Read article for how to choose your next credit card
Understanding credit card requirements: What you need to apply

Read article for understanding credit card requirements: what you need to apply
How to use credit cards like a pro

Read article for how to use credit cards like a pro

Credit Card FAQ

How do credit cards work?

If you're new to using a credit card, here's some general information:

You'll need to apply and be approved for a credit card. Be sure you review a credit card's rates and fees before you apply.
You'll have a credit limit for your card, which is the maximum amount you can charge in transactions, such as purchases and payments. If you go over your credit limit, you could be charged a fee.
When you use credit cards to make purchases or payments, you'll see the transactions listed on your monthly statement. If you don't pay your statement balance in full by the due date, interest will be charged on your remaining balance.

How do I choose a credit card that works for me?

Review all the features of the credit cards you're considering.
Think about credit cards that offer rewards, lower interest rates and other benefits like travel insurance.
Look at the annual percentage rate (APR) and fees for transactions like balance transfers and cash advances. USAA credit cards have the same APR whether you're transferring a balance, getting a cash advance or making a purchase.
Check for an annual fee. This is an amount some cards ask you to pay every year to have the card.

Can I have more than one credit card?

Are USAA credit cards only for the military?

What are the security features of USAA credit cards?

What rewards cards does USAA offer?

USAA offers both cashback and rewards credit cards. Cashback is earned as a percentage of the Qualifying Purchase amount. For example, if your card offers 1% cash back on a $150 purchase, you could earn $1.50 in cash back.

With rewards cards, the number of rewards points earned is based on the dollar amount spent on each Qualifying Purchase. If you have 2X points on gas and spend $50 filling up, you could earn 100 rewards points. The points earned with USAA Accounts can be redeemed for various rewards, including airline travel or merchandise. The value of each point may vary depending on redemption type and, in some instances, may also vary depending on the USAA Accounts you have that earn points.^{See note1}

View USAA Credit Card Agreement Opens New Window (PDF)

Available With:

Note 1 You will earn rewards based on your Qualifying Purchases. Qualifying Purchases are the Purchases of products or services that post to your Account, minus any returns, refunds, or other adjustments made with your Account by you or an Authorized User of your Account. Certain restrictions apply, including limitations if your Account becomes delinquent or closed. Transactions that are not Qualifying Purchases do not earn rewards. See the Reward Program Terms and Conditions for more information.

Note 2 To qualify for a bonus, you must meet the purchase requirements described in the offer. Please allow up to 90 days after the end of the promotion for the bonus to be added to your rewards balance within the USAA Rewards Center. Transactions that are not Qualifying Purchases do not earn rewards and will not apply to purchase requirements of the offer. See the Reward Program Terms and Conditions for more information.

Note 3 Earn a statement credit of $95 after your first purchase using the USAA Eagle Navigator™ Visa Signature® Credit Card. Your first purchase must post within 90 days of account opening. The statement credit will generally appear within 1-2 billing cycles. Please ensure that you make your minimum payment by the payment due date to avoid late fees or other charges.

Note 4 Earn a statement credit worth up to $120 every four (4) years when you use an eligible USAA Eagle Navigator™ Visa Signature® Credit Card on your Account to pay the TSA PreCheck® or Global Entry® application or renewal fee. See the Reward Program Terms and Conditions for more information.

Note 5 Earn 10,000 bonus Points once every calendar year after you use an eligible USAA Eagle Navigator™ Visa Signature® Credit Card on your Account to make a single booking through the USAA Rewards Center that (i) includes at least $100 in spend, (ii) includes a hotel, car rental, or both and (iii) redeems a minimum of 100 Points. See the Reward Program Terms and Conditions for more information.

Note 6 After the Introductory period, your Regular APR will apply to these Introductory balances and any new transactions. If you transfer a balance or write a Convenience Check after 90 days from Account opening, we may still honor the Balance Transfer or Convenience Check, but you will not receive the Introductory APR. Instead, the Regular APR will apply. Your Regular APR will apply to Purchases and Cash Advances immediately upon account opening. Your Regular APR will vary with the market based on the Prime Rate. There is a transaction fee of 5% of the amount of each Balance Transfer, Convenience Check and Cash Advance from Account opening. The Cash Advance fee is waived when you transfer funds electronically from your USAA credit card to your USAA Bank deposit account.

Note 7 If you transfer a balance, write a Convenience Check, or take a Cash Advance, we will charge you interest on all new and outstanding Purchases (unless you have an introductory or promotional 0% APR on Purchases) until you pay your entire balance in full, including the amount of any Balance Transfer, Convenience Check or Cash Advance. After that, you will have a grace period on Purchases when you pay your entire statement balance each month by the payment due date.

Note 8 In order for coverage to apply, you must use your Preferred Cash Rewards credit card to make 8 or more separate net purchases (purchases minus credits and returns) in the calendar month immediately preceding the loss. This benefit does not apply to residents of Washington State and as otherwise prohibited by law. Please refer to the Automobile Insurance Deductible Reimbursement Benefit Guide (ADR Benefit Guide) for further details and full terms and conditions.

Note 9 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.

All credit cards subject to approval.

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.

If you apply for a USAA Visa Signature® Credit Card and are approved for a credit limit less than $3,000 you'll automatically be issued a USAA Visa® Platinum Credit Card with the same terms and fees. This is not applicable to the USAA Eagle Navigator™ Visa Signature® Credit Card.

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 TSA PreCheck® and Global Entry® trademarks are used with the permission of the U.S. Department of Homeland Security.

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

Visa is a registered trademark of Visa International Service Association and used under license.

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.

Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. 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.

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Credit Cards

Earn 1.5% cash back.^{See note1}

Rewards Points Cards

Cashback Cards

Our Low Rate Card

Build Credit

Security Deposit

Security Deposit

Related Articles

How to choose your next credit card

Understanding credit card requirements: What you need to apply

How to use credit cards like a pro

Credit Card FAQ

Credit Cards

Earn 1.5% cash back.See note1

Rewards Points Cards

Cashback Cards

Our Low Rate Card

Build Credit

Related Articles

How to choose your next credit card

Understanding credit card requirements: What you need to apply

How to use credit cards like a pro

Credit Card FAQ

Earn 1.5% cash back.^{See note1}