Earn $200
Earn a $200 reward bonus for spending $1,000 on qualifying purchases in the first 90 days from account opening.See note1
Variable Regular APR of 16.40% to 28.40%*
1.5% cash back.2 It's that simple.
1.5% cash back on
purchases
No limits or caps on how
many rewards you can earn
Rewards never expire
Redeem for cash back, gift cards, charitable contribution, travel and more
Auto Deductible Reimbursement3
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 ADR Benefit Guide
Even more benefits
Cell phone protectionSee note4
Trip cancellation and interruption coverageSee note4
Auto rental collision damage waiverSee note4
Purchase securitySee note4
Fraud monitoring for suspicious
activity
Zero liability on unauthorized
purchasesSee note5
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
Join to apply
Earn unlimited 1.5% cash back on
purchases2, plus earn a $200 reward
bonus1
*Rates and fees
USAA Credit Card
Agreement (PDF)
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Copyright © 2024 USAA
- 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
- 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.
- 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.
- 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.
- Certain terms, conditions and exclusions apply. Please refer to the Credit Card Benefits Guide for further details.
- 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.
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.
All credit cards subject to approval.
If you apply for a USAA Visa SignatureSee note® Credit Card and are approved for a credit limit less than $3,000 you'll automatically be issued a USAA VisaSee note® Platinum Credit Card with the same terms and fees.
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.
"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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