USAA CREDIT CARDS
Find the card
that works for you
Want to transfer a balance? Earn rewards? Build credit? Find the perfect fit from our full range of credit cards.
USAA Rate Advantage Credit Card
USAA Rate Advantage Credit Card
Top features
Pay less in interest if you carry a balance from month to month
Intro offer
0% intro APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening, thereafter 11.40% to 25.40% variable regular APR will apply to introductory balances.
Transaction fee of 5%.See note see notes 1,2
View rates and fees for more details*
Rates and fees*
No annual fee
11.40% to 25.40% Variable Regular APR
No foreign transaction fees
Top features
Pay less in interest if you carry a balance from month to month
Intro offer
0% intro APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening, thereafter 11.40% to 25.40% variable regular APR will apply to introductory balances.
Transaction fee of 5%.See note see notes 1,2
View rates and fees for more details*
Rates and fees*
No annual fee
11.40% to 25.40% Variable Regular APR
No foreign transaction 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 note see note 1
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 note see note 1
Preferred Cash Rewards Credit Card
Preferred Cash Rewards Credit Card
Key rewardsSee note see note 3
1.5% cash back on purchasesSee note see note 3
Rewards never expire
No restricted categories
No limits or caps on how many rewards you can earn
Intro offer
Earn a $200 reward bonus for spending $1,000 on qualifying purchases within 90 days of account opening.See note see note 4
Rates and fees*
No annual fee
16.40% to 28.40% Variable Regular APR
Balance transfer and cash advance fee is 5% of each transaction amount
No foreign transaction fees
Key rewardsSee note see note 3
1.5% cash back on purchasesSee note see note 3
Rewards never expire
No restricted categories
No limits or caps on how many rewards you can earn
Intro offer
Earn a $200 reward bonus for spending $1,000 on qualifying purchases within 90 days of account opening.See note see note 4
Rates and fees*
No annual fee
16.40% to 28.40% Variable Regular APR
Balance transfer and cash advance fee is 5% of each transaction amount
No foreign transaction fees
New benefit: Auto Deductible Reimbursement (Up to $200)See note see note 5
See ADR Benefit Guide for USAA Visa Preferred Cash Rewards CardNew benefit: Auto Deductible Reimbursement (Up to $200)See note see note 5
See ADR Benefit Guide for USAA Visa Preferred Cash Rewards Card
Cashback Rewards Plus Credit Card
Cashback Rewards Plus Credit Card
Key rewardsSee note see note 3
5% cash back on gas station and military base purchases, combined**
2% cash back on grocery purchases**
Unlimited 1% cash back on other purchases
**up to $3,000 in purchases per year
Intro offer
0% intro APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening, thereafter 16.40% to 28.40% variable regular APR will apply to introductory balances.
Transaction fee of 5%.See note see notes 1,2
View rates and fees for more details*
Rates and fees*
No annual fee
16.40% to 28.40% Variable Regular APR
No foreign transaction fees
Key rewardsSee note see note 3
5% cash back on gas station and military base purchases, combined**
2% cash back on grocery purchases**
Unlimited 1% cash back on other purchases
**up to $3,000 in purchases per year
Intro offer
0% intro APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening, thereafter 16.40% to 28.40% variable regular APR will apply to introductory balances.
Transaction fee of 5%.See note see notes 1,2
View rates and fees for more details*
Rates and fees*
No annual fee
16.40% to 28.40% Variable Regular APR
No foreign transaction 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 note see note 1
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 note see note 1
USAA Rewards™ Visa Signature® Credit Card
USAA Rewards™ Visa Signature® Credit Card
Key rewardsSee note see note 3
2X points on dining, including takeout & delivery
2X points at gas stations
1X points on other purchases
Earn 2,500 bonus points after your first purchase
Points never expire
No limits or caps on how many points you can earn
Annual percentage rate
14.40% to 28.40%* Variable Regular APR
Rates and fees*
No annual fee
Balance transfer and cash advance fee is 5% of each transaction amount
No foreign transaction fees
Key rewardsSee note see note 3
2X points on dining, including takeout & delivery
2X points at gas stations
1X points on other purchases
Earn 2,500 bonus points after your first purchase
Points never expire
No restricted categories
No limits or caps on how many points you can earn
Annual percentage rate
14.40% to 28.40%* Variable Regular APR
Rates and fees*
No annual fee
Balance transfer and cash advance fee is 5% of each transaction amount
No foreign transaction fees
USAA Rewards™ American Express® Credit Card
USAA Rewards™ American Express® Credit Card
Key rewardsSee note see note 3
3X points on dining, including takeout & delivery
2X points at gas stations
2X points on groceries
1X points on other purchases
Earn 2,500 bonus points after your first purchase
Points never expire
No limits or caps on how many points you can earn
Annual percentage rate
14.40% to 28.40% Variable Regular APR
Rates and fees*
No annual fee
Balance transfer and cash advance fee is 5% of each transaction amount
No foreign transaction fees
Key rewardsSee note see note 3
3X points on dining, including takeout & delivery
2X points at gas stations
2X points on groceries
1X points on other purchases
Earn 2,500 bonus points after your first purchase
Points never expire
No restricted categories
No limits or caps on how many points you can earn
Annual percentage rate
14.40% to 28.40% Variable Regular APR
Rates and fees*
No annual fee
Balance transfer and cash advance fee is 5% of each transaction amount
No foreign transaction 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 note see note 1
USAA Eagle Navigator™ Credit Card
USAA Eagle Navigator™ Credit Card
Key rewardsSee note see note 3
3X points on travel including air, hotel, car and vacation rentals, rideshare, tolls and more
2X points on other purchases
Get a one-time $95 statement credit when you make your first purchase within 90 days of account openingSee note see note 6
Earn 10,000 bonus points every year after you complete eligible hotel or car bookingSee note see note 7
Up to $120 credit towards your TSA PreCheck® or Global Entry® feeSee note see note 8
Intro offer
Earn 30,000 bonus points ($300 travel value) after spending $3,000 on qualifying purchases within 90 days of account opening.See note see notes 3,4
Rates and fees*
$95 annual fee*
19.40% to 27.65%* Variable Regular APR
Balance transfer and cash advance fee is 5% of each transaction amount
No foreign transaction fees
Key rewardsSee note see note 3
3X points on travel including air, hotel, car and vacation rentals, rideshare, tolls and more
2X points on other purchases
Get a one-time $95 statement credit when you make your first purchase within 90 days of account openingSee note see note 6
Earn 10,000 bonus points every year after you complete eligible hotel or car bookingSee note see note 7
Up to $120 credit towards your TSA PreCheck® or Global Entry® feeSee note see note 8
Intro offer
Earn 30,000 bonus points ($300 travel value) after spending $3,000 on qualifying purchases within 90 days of account opening.See note see notes 3,4
Rates and fees*
$95 annual fee*
19.40% to 27.65%* Variable Regular APR
Balance transfer and cash advance fee is 5% of each transaction amount
No foreign transaction fees
USAA Secured Visa® Platinum Credit Card
USAA Secured Visa® Platinum Credit Card
Top features
Help build your credit by making purchases within your credit limit and paying your bill on time
Reports to the 3 main credit bureaus
A credit limit that could range from $250 to $5,000, backed by an interest-earning
With responsible use, you could qualify for an automatic upgrade to an unsecured USAA credit card
Annual percentage rate
27.40%* Variable Regular APR
Rates and fees*
No annual fee
Balance transfer and cash advance fee is 5% of each transaction amount
No foreign transaction fees
Top features
Help build your credit by making purchases within your credit limit and paying your bill on time
Reports to the 3 main credit bureaus
A credit limit that could range from $250 to $5,000, backed by an interest-earning
With responsible use, you could qualify for an automatic upgrade to an unsecured USAA credit card
Annual percentage rate
27.40%* Variable Regular APR
Rates and fees*
No annual fee
Balance transfer and cash advance fee is 5% of each transaction amount
No foreign transaction fees
USAA Secured American Express® Credit Card
USAA Secured American Express® Credit Card
Top features
Help build your credit by making purchases within your credit limit and paying your bill on time
Reports to the 3 main credit bureaus
A credit limit that could range from $250 to $5,000, backed by an interest-earning
With responsible use, you could qualify for an automatic upgrade to an unsecured USAA credit card
Annual percentage rate
27.40%* Variable Regular APR
Rates and fees*
No annual fee
Balance transfer and cash advance fee is 5% of each transaction amount
No foreign transaction fees
Top features
Help build your credit by making purchases within your credit limit and paying your bill on time
Reports to the 3 main credit bureaus
A credit limit that could range from $250 to $5,000, backed by an interest-earning
With responsible use, you could qualify for an automatic upgrade to an unsecured USAA credit card
Annual percentage rate
27.40%* Variable Regular APR
Rates and fees*
No annual fee
Balance transfer and cash advance fee is 5% of each transaction amount
No foreign transaction fees
USAA Rate Advantage Credit Card
USAA Rate Advantage Credit Card
Top features
Pay less in interest if you carry a balance from month to month
Intro offer
0% intro APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening, thereafter 11.40% to 25.40% variable regular APR will apply to introductory balances.
Transaction fee of 5%.See note see notes 1,2
View rates and fees for more details*
Rates and fees*
No annual fee
11.40% to 25.40% Variable Regular APR
No foreign transaction fees
Top features
Pay less in interest if you carry a balance from month to month
Intro offer
0% intro APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening, thereafter 11.40% to 25.40% variable regular APR will apply to introductory balances.
Transaction fee of 5%.See note see notes 1,2
View rates and fees for more details*
Rates and fees*
No annual fee
11.40% to 25.40% Variable Regular APR
No foreign transaction 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 note see note 1
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 note see note 1
Preferred Cash Rewards Credit Card
Preferred Cash Rewards Credit Card
Key rewardsSee note see note 3
1.5% cash back on purchasesSee note see note 3
Rewards never expire
No restricted categories
No limits or caps on how many rewards you can earn
Intro offer
Earn a $200 reward bonus for spending $1,000 on qualifying purchases within 90 days of account opening.See note see note 4
Rates and fees*
No annual fee
16.40% to 28.40% Variable Regular APR
Balance transfer and cash advance fee is 5% of each transaction amount
No foreign transaction fees
Key rewardsSee note see note 3
1.5% cash back on purchasesSee note see note 3
Rewards never expire
No restricted categories
No limits or caps on how many rewards you can earn
Intro offer
Earn a $200 reward bonus for spending $1,000 on qualifying purchases within 90 days of account opening.See note see note 4
Rates and fees*
No annual fee
16.40% to 28.40% Variable Regular APR
Balance transfer and cash advance fee is 5% of each transaction amount
No foreign transaction fees
New benefit: Auto Deductible Reimbursement (Up to $200)See note see note 5
See ADR Benefit Guide for USAA Visa Preferred Cash Rewards CardNew benefit: Auto Deductible Reimbursement (Up to $200)See note see note 5
See ADR Benefit Guide for USAA Visa Preferred Cash Rewards Card
Cashback Rewards Plus Credit Card
Cashback Rewards Plus Credit Card
Key rewardsSee note see note 3
5% cash back on gas station and military base purchases, combined**
2% cash back on grocery purchases**
Unlimited 1% cash back on other purchases
**up to $3,000 in purchases per year
Intro offer
0% intro APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening, thereafter 16.40% to 28.40% variable regular APR will apply to introductory balances.
Transaction fee of 5%.See note see notes 1,2
View rates and fees for more details*
Rates and fees*
No annual fee
16.40% to 28.40% Variable Regular APR
No foreign transaction fees
Key rewardsSee note see note 3
5% cash back on gas station and military base purchases, combined**
2% cash back on grocery purchases**
Unlimited 1% cash back on other purchases
**up to $3,000 in purchases per year
Intro offer
0% intro APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening, thereafter 16.40% to 28.40% variable regular APR will apply to introductory balances.
Transaction fee of 5%.See note see notes 1,2
View rates and fees for more details*
Rates and fees*
No annual fee
16.40% to 28.40% Variable Regular APR
No foreign transaction 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 note see note 1
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 note see note 1
USAA Rewards™ Visa Signature® Credit Card
USAA Rewards™ Visa Signature® Credit Card
Key rewardsSee note see note 3
2X points on dining, including takeout & delivery
2X points at gas stations
1X points on other purchases
Earn 2,500 bonus points after your first purchase
Points never expire
No limits or caps on how many points you can earn
Annual percentage rate
14.40% to 28.40%* Variable Regular APR
Rates and fees*
No annual fee
Balance transfer and cash advance fee is 5% of each transaction amount
No foreign transaction fees
Key rewardsSee note see note 3
2X points on dining, including takeout & delivery
2X points at gas stations
1X points on other purchases
Earn 2,500 bonus points after your first purchase
Points never expire
No restricted categories
No limits or caps on how many points you can earn
Annual percentage rate
14.40% to 28.40%* Variable Regular APR
Rates and fees*
No annual fee
Balance transfer and cash advance fee is 5% of each transaction amount
No foreign transaction fees
USAA Rewards™ American Express® Credit Card
USAA Rewards™ American Express® Credit Card
Key rewardsSee note see note 3
3X points on dining, including takeout & delivery
2X points at gas stations
2X points on groceries
1X points on other purchases
Earn 2,500 bonus points after your first purchase
Points never expire
No limits or caps on how many points you can earn
Annual percentage rate
14.40% to 28.40% Variable Regular APR
Rates and fees*
No annual fee
Balance transfer and cash advance fee is 5% of each transaction amount
No foreign transaction fees
Key rewardsSee note see note 3
3X points on dining, including takeout & delivery
2X points at gas stations
2X points on groceries
1X points on other purchases
Earn 2,500 bonus points after your first purchase
Points never expire
No restricted categories
No limits or caps on how many points you can earn
Annual percentage rate
14.40% to 28.40% Variable Regular APR
Rates and fees*
No annual fee
Balance transfer and cash advance fee is 5% of each transaction amount
No foreign transaction 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 note see note 1
USAA Eagle Navigator™ Credit Card
USAA Eagle Navigator™ Credit Card
Key rewardsSee note see note 3
3X points on travel including air, hotel, car and vacation rentals, rideshare, tolls and more
2X points on other purchases
Get a one-time $95 statement credit when you make your first purchase within 90 days of account openingSee note see note 6
Earn 10,000 bonus points every year after you complete eligible hotel or car bookingSee note see note 7
Up to $120 credit towards your TSA PreCheck® or Global Entry® feeSee note see note 8
Intro offer
Earn 30,000 bonus points ($300 travel value) after spending $3,000 on qualifying purchases within 90 days of account opening.See note see notes 3,4
Rates and fees*
$95 annual fee*
19.40% to 27.65%* Variable Regular APR
Balance transfer and cash advance fee is 5% of each transaction amount
No foreign transaction fees
Key rewardsSee note see note 3
3X points on travel including air, hotel, car and vacation rentals, rideshare, tolls and more
2X points on other purchases
Get a one-time $95 statement credit when you make your first purchase within 90 days of account openingSee note see note 6
Earn 10,000 bonus points every year after you complete eligible hotel or car bookingSee note see note 7
Up to $120 credit towards your TSA PreCheck® or Global Entry® feeSee note see note 8
Intro offer
Earn 30,000 bonus points ($300 travel value) after spending $3,000 on qualifying purchases within 90 days of account opening.See note see notes 3,4
Rates and fees*
$95 annual fee*
19.40% to 27.65%* Variable Regular APR
Balance transfer and cash advance fee is 5% of each transaction amount
No foreign transaction fees
USAA Secured Visa® Platinum Credit Card
USAA Secured Visa® Platinum Credit Card
Top features
Help build your credit by making purchases within your credit limit and paying your bill on time
Reports to the 3 main credit bureaus
A credit limit that could range from $250 to $5,000, backed by an interest-earning
With responsible use, you could qualify for an automatic upgrade to an unsecured USAA credit card
Annual percentage rate
27.40%* Variable Regular APR
Rates and fees*
No annual fee
Balance transfer and cash advance fee is 5% of each transaction amount
No foreign transaction fees
Top features
Help build your credit by making purchases within your credit limit and paying your bill on time
Reports to the 3 main credit bureaus
A credit limit that could range from $250 to $5,000, backed by an interest-earning
With responsible use, you could qualify for an automatic upgrade to an unsecured USAA credit card
Annual percentage rate
27.40%* Variable Regular APR
Rates and fees*
No annual fee
Balance transfer and cash advance fee is 5% of each transaction amount
No foreign transaction fees
USAA Secured American Express® Credit Card
USAA Secured American Express® Credit Card
Top features
Help build your credit by making purchases within your credit limit and paying your bill on time
Reports to the 3 main credit bureaus
A credit limit that could range from $250 to $5,000, backed by an interest-earning
With responsible use, you could qualify for an automatic upgrade to an unsecured USAA credit card
Annual percentage rate
27.40%* Variable Regular APR
Rates and fees*
No annual fee
Balance transfer and cash advance fee is 5% of each transaction amount
No foreign transaction fees
Top features
Help build your credit by making purchases within your credit limit and paying your bill on time
Reports to the 3 main credit bureaus
A credit limit that could range from $250 to $5,000, backed by an interest-earning
With responsible use, you could qualify for an automatic upgrade to an unsecured USAA credit card
Annual percentage rate
27.40%* Variable Regular APR
Rates and fees*
No annual fee
Balance transfer and cash advance fee is 5% of each transaction amount
No foreign transaction fees
USAA Rate Advantage Credit Card
USAA Rate Advantage Credit Card
Top features
Pay less in interest if you carry a balance from month to month
Intro offer
0% intro APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening, thereafter 11.40% to 25.40% variable regular APR will apply to introductory balances.
Transaction fee of 5%.See note see notes 1,2
View rates and fees for more details*
Rates and fees*
No annual fee
11.40% to 25.40% Variable Regular APR
No foreign transaction fees
Top features
Pay less in interest if you carry a balance from month to month
Intro offer
0% intro APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening, thereafter 11.40% to 25.40% variable regular APR will apply to introductory balances.
Transaction fee of 5%.See note see notes 1,2
View rates and fees for more details*
Rates and fees*
No annual fee
11.40% to 25.40% Variable Regular APR
No foreign transaction 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 note see note 1
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 note see note 1
Preferred Cash Rewards Credit Card
Preferred Cash Rewards Credit Card
Key rewardsSee note see note 3
1.5% cash back on purchasesSee note see note 3
Rewards never expire
No restricted categories
No limits or caps on how many rewards you can earn
Intro offer
Earn a $200 reward bonus for spending $1,000 on qualifying purchases within 90 days of account opening.See note see note 4
Rates and fees*
No annual fee
16.40% to 28.40% Variable Regular APR
Balance transfer and cash advance fee is 5% of each transaction amount
No foreign transaction fees
Key rewardsSee note see note 3
1.5% cash back on purchasesSee note see note 3
Rewards never expire
No restricted categories
No limits or caps on how many rewards you can earn
Intro offer
Earn a $200 reward bonus for spending $1,000 on qualifying purchases within 90 days of account opening.See note see note 4
Rates and fees*
No annual fee
16.40% to 28.40% Variable Regular APR
Balance transfer and cash advance fee is 5% of each transaction amount
No foreign transaction fees
New benefit: Auto Deductible Reimbursement (Up to $200)See note see note 5
See ADR Benefit Guide for USAA Visa Preferred Cash Rewards CardNew benefit: Auto Deductible Reimbursement (Up to $200)See note see note 5
See ADR Benefit Guide for USAA Visa Preferred Cash Rewards Card
Cashback Rewards Plus Credit Card
Cashback Rewards Plus Credit Card
Key rewardsSee note see note 3
5% cash back on gas station and military base purchases, combined**
2% cash back on grocery purchases**
Unlimited 1% cash back on other purchases
**up to $3,000 in purchases per year
Intro offer
0% intro APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening, thereafter 16.40% to 28.40% variable regular APR will apply to introductory balances.
Transaction fee of 5%.See note see notes 1,2
View rates and fees for more details*
Rates and fees*
No annual fee
16.40% to 28.40% Variable Regular APR
No foreign transaction fees
Key rewardsSee note see note 3
5% cash back on gas station and military base purchases, combined**
2% cash back on grocery purchases**
Unlimited 1% cash back on other purchases
**up to $3,000 in purchases per year
Intro offer
0% intro APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening, thereafter 16.40% to 28.40% variable regular APR will apply to introductory balances.
Transaction fee of 5%.See note see notes 1,2
View rates and fees for more details*
Rates and fees*
No annual fee
16.40% to 28.40% Variable Regular APR
No foreign transaction 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 note see note 1
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 note see note 1
USAA Rewards™ Visa Signature® Credit Card
USAA Rewards™ Visa Signature® Credit Card
Key rewardsSee note see note 3
2X points on dining, including takeout & delivery
2X points at gas stations
1X points on other purchases
Earn 2,500 bonus points after your first purchase
Points never expire
No limits or caps on how many points you can earn
Annual percentage rate
14.40% to 28.40%* Variable Regular APR
Rates and fees*
No annual fee
Balance transfer and cash advance fee is 5% of each transaction amount
No foreign transaction fees
Key rewardsSee note see note 3
2X points on dining, including takeout & delivery
2X points at gas stations
1X points on other purchases
Earn 2,500 bonus points after your first purchase
Points never expire
No restricted categories
No limits or caps on how many points you can earn
Annual percentage rate
14.40% to 28.40%* Variable Regular APR
Rates and fees*
No annual fee
Balance transfer and cash advance fee is 5% of each transaction amount
No foreign transaction fees
USAA Rewards™ American Express® Credit Card
USAA Rewards™ American Express® Credit Card
Key rewardsSee note see note 3
3X points on dining, including takeout & delivery
2X points at gas stations
2X points on groceries
1X points on other purchases
Earn 2,500 bonus points after your first purchase
Points never expire
No limits or caps on how many points you can earn
Annual percentage rate
14.40% to 28.40% Variable Regular APR
Rates and fees*
No annual fee
Balance transfer and cash advance fee is 5% of each transaction amount
No foreign transaction fees
Key rewardsSee note see note 3
3X points on dining, including takeout & delivery
2X points at gas stations
2X points on groceries
1X points on other purchases
Earn 2,500 bonus points after your first purchase
Points never expire
No restricted categories
No limits or caps on how many points you can earn
Annual percentage rate
14.40% to 28.40% Variable Regular APR
Rates and fees*
No annual fee
Balance transfer and cash advance fee is 5% of each transaction amount
No foreign transaction 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 note see note 1
USAA Secured Visa® Platinum Credit Card
USAA Secured Visa® Platinum Credit Card
Top features
Help build your credit by making purchases within your credit limit and paying your bill on time
Reports to the 3 main credit bureaus
A credit limit that could range from $250 to $5,000, backed by an interest-earning
With responsible use, you could qualify for an automatic upgrade to an unsecured USAA credit card
Annual percentage rate
27.40%* Variable Regular APR
Rates and fees*
No annual fee
Balance transfer and cash advance fee is 5% of each transaction amount
No foreign transaction fees
Top features
Help build your credit by making purchases within your credit limit and paying your bill on time
Reports to the 3 main credit bureaus
A credit limit that could range from $250 to $5,000, backed by an interest-earning
With responsible use, you could qualify for an automatic upgrade to an unsecured USAA credit card
Annual percentage rate
27.40%* Variable Regular APR
Rates and fees*
No annual fee
Balance transfer and cash advance fee is 5% of each transaction amount
No foreign transaction fees
USAA Secured American Express® Credit Card
USAA Secured American Express® Credit Card
Top features
Help build your credit by making purchases within your credit limit and paying your bill on time
Reports to the 3 main credit bureaus
A credit limit that could range from $250 to $5,000, backed by an interest-earning
With responsible use, you could qualify for an automatic upgrade to an unsecured USAA credit card
Annual percentage rate
27.40%* Variable Regular APR
Rates and fees*
No annual fee
Balance transfer and cash advance fee is 5% of each transaction amount
No foreign transaction fees
Top features
Help build your credit by making purchases within your credit limit and paying your bill on time
Reports to the 3 main credit bureaus
A credit limit that could range from $250 to $5,000, backed by an interest-earning
With responsible use, you could qualify for an automatic upgrade to an unsecured USAA credit card
Annual percentage rate
27.40%* Variable Regular APR
Rates and fees*
No annual fee
Balance transfer and cash advance fee is 5% of each transaction amount
No foreign transaction fees
Benefits of USAA credit cards
Relax on the road with travel protection.See note see note 9
Auto rental collision damage waiver
Travel accident insurance
Trip cancellation and interruption coverage
Baggage delay reimbursement
We help keep your account and purchases safe.
Cell phone protectionSee note see note 9
Fraud monitoring on suspicious activity
Zero liabilitySee note see note 10 for unauthorized transactions
Purchase security and extended
warranty protectionSee note see note 9
Easy payments and 24/7 support.
Contactless tap-to-pay enabled
Exceptional customer service
24/7 online
Report a lost or stolen
card online or in the app
Customized mobile alerts
Proud to serve you
A USAA membership gives you and your eligible family members the tools and financial products to manage your finances, take care of your family, and save for the future. No matter where you are in life, we're ready to help.
Insurance · banking · Investing · retirement
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Investment and Insurance Products are:
- Not Insured by the FDIC or Any Federal Government Agency
- Not a Deposit or Other Obligation of, or Guaranteed by, the Bank
- Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested
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1 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.
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2 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.
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3 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.
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4 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.
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5 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.
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6 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.
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7 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.
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8 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.
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9 Certain terms, conditions and exclusions apply. Please refer to the Credit Card Benefits Guide for further details.
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10 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.
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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.
The Contactless Indicator mark, consisting of four graduating arcs, is a trademark 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.
The TSA PreCheck® and Global Entry® trademarks are used with the permission of the U.S. Department of Homeland Security.
"USAA Bank" means USAA Federal Savings Bank.
USAA Federal Savings Bank offers deposit, credit card, consumer lending, mortgage, and other banking products and services. USAA Federal Savings Bank is a Member of FDIC. Credit card, mortgage and other lending products not FDIC-insured.
No Department of Defense or government agency endorsement.
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. To join USAA, separated military personnel must have received a discharge type of Honorable or General Under Honorable Conditions. Eligible family members may also join USAA.
Property and casualty insurance underwritten by United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, NOBLR Reciprocal Exchange, based in San Antonio, Texas; USAA Limited (UK) and USAA S.A. (Europe) and is available only to persons eligible for property and casualty group membership. Each company has sole financial responsibility for its own products. Coverages subject to the terms and conditions of the policy.
USAA means United Services Automobile Association and its affiliates.
USAA Investment Services Company (ISCO), a registered broker-dealer and a registered investment adviser, provides referral and marketing services on behalf of Charles Schwab & Co., Inc. (Schwab), a dually registered investment adviser and broker-dealer. Schwab compensates ISCO for these services.
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