USAA SECURED VISA®
PLATINUM CREDIT CARD
Help build or rebuild your credit
Help take control of your finances. Apply for a USAA Secured Visa® Platinum Credit Card today.
27.40%* Variable Regular APR
Apply now Not a member? Join now. It's free and easy.
How the USAA Secured Credit Card works
Set your
credit limit
You could be approved for a credit limit from $250-$5,000. Your final credit limit will equal the amount you choose to pay into a refundable, interest-earning security deposit.
It's a real
credit card
You can use your secured card for purchases like any other credit card and build good habits by paying your bill on time every month.
Help build
your credit
Your secured card activity is reported to the 3 main credit bureaus. If you use your card responsibly, you could build your credit and may qualify for an upgrade to an unsecured USAA credit card.
Secured credit card benefits
No annual fee*
Refundable, interest-earning security deposit
Reports to the 3 main credit bureaus
You could qualify for an automatic upgrade to an unsecured USAA credit card
Zero liabilitySee note1 and 24/7 fraud monitoring
How to get a secured credit card
Step
2
Apply for a secured
credit card
Once you have a checking or savings account with USAA Bank, you're eligible to apply for a secured credit card.
Step
3
Choose your security deposit amount
If approved, open a certificate of deposit (CD) with funds from your USAA Bank checking or savings account. This CD acts as your security deposit, and your credit limit is set to the same amount.
Secured credit card FAQ
A secured credit card can be used like any other credit card, but requires a refundable security deposit from a USAA Bank checking or savings account. The amount of the security deposit will equal your card's credit limit. You can use the credit card anywhere cards are accepted and you can add it to your digital wallet for in-person contactless or online purchases.
Secured cards are designed for people who want to build or rebuild their credit. Your card activity is reported to the three main credit bureaus. Responsible credit behavior, such as making payments on time, could help your credit history.
If approved, you'll open a certificate of deposit (CD) funded by a USAA Federal Savings Bank deposit account. This is your card's security deposit. The amount you deposit into the interest-earning CD depends on your card's credit limit, from $250 to $5,000. Your CD earns interest, but isn't used to make your payments.
Periodically, we'll review your credit history and other factors to see if you qualify.
If you qualify for an upgrade, your account will remain open and it will be converted to an unsecured credit card and your existing credit history will not be affected.
Yes, if your account is upgraded, you may request to have your Secured Certificate of Deposit (CD) closed and the balance mailed to you. Otherwise, the CD will close on its maturity date, and we will mail the balance to you at that time.
We're with you all the way
USAA has a full range of benefits and products for U.S. military members and their eligible family members. We help you get on the road to financial stability today, so you could see a brighter tomorrow.
Join to apply
USAA SECURED VISA®
PLATINUM CREDIT CARD
Financial stability could be yours
The USAA Secured Visa® Platinum Credit Card can be an accessible way to help build or rebuild your credit by making purchases within your credit limit and paying your bill on time.
Apply now Not a member? Join now. It's free and easy. USAA Credit Card Agreement (PDF)
Available with:
DISCLOSURES
1 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.
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.
Apple PaySee note® 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.
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.
"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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