This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Lower Cost of Existing Debt." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
2.0
User Reviews
3.6
Market Comparison
3.3
fees: 5.0
cost: 2.6
APR: 3.8
Purchase Intro APR→Not Offered
Transfer Intro APR→0% for 15 months|Transfer Fee:5%
Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
Intro Offer: Get a 0% intro APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening. After this time, the variable regular APR of 12.15% to 27.15% will apply to introductory balances.
A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies.
Take advantage of USAA's lowest interest rate card, whether you’re making a purchase or transferring a balance.
Pay less in interest if you carry a balance from month to month.
Enjoy the same low variable regular APR on purchases, balance transfers, and cash advances.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
3.5
User Reviews
3.6
Market Comparison
3.8
fees: 5.0
rewards: 3.3
cost: 3.5
APR: 3.8
Purchase Intro APR→0% for 15 months
Transfer Intro APR→Not Offered
Regular APR→17.15% - 31.15% variable
Purchase Intro APR
0% for 15 months
Transfer Intro APR
Not Offered
Regular APR
17.15% - 31.15% variable
annual fee
$0
rewards rate
1.5% Cash Back
minimum credit
Good
WalletHub's Take: Members of the military community who have good credit or better and want simple, yet valuable everyday rewards should consider the USAA Preferred Cash Rewards Credit Card. The USAA Preferred Cash Rewards Card has a $0 annual fee and gives 1.5% cash back on purchases – nearly 50% more than the average cash back credit card. It also has a 0% foreign transaction fee, which can help whether you travel for military business or pleasure.
Pros
1.5% cash back
No annual fee
No foreign transaction fees
Cons
No initial rewards bonus
No intro APR on balance transfers
Balance transfer fee
Requires good/excellent credit
Rewards Details
Earn unlimited 1.5% cash back on purchases, no category restrictions, no caps on cash back.
Cash back rewards never expire.
Redeem cash back your way, on your schedule.
Additional Info
Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
Intro Offer: Get a 0% intro APR for 15 months on purchases. After this time, the variable regular APR of 17.15% to 31.15% will apply to these introductory balances.
A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
3.8
Market Comparison
3.7
fees: 2.9
rewards: 3.7
cost: 4.2
Other Features: 0.0
Purchase Intro APR→Not Offered
Transfer Intro APR→Not Offered
Regular APR→20.15% - 28.40% variable
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
20.15% - 28.40% variable
annual fee
$95
rewards rate
2 - 3 points / $1
Bonus Offer
30,000 points
Bonus Offer
30,000 points
minimum credit
Good
WalletHub's Take: The USAA Eagle Navigator™ Credit Card is a good credit card for earning reward points on travel expenses and everyday purchases if you have a 700+ credit score and you’re eligible for USAA membership. The card gives 2-3 times as many points on purchases as the average rewards card, plus a $100 travel credit each year.
Pros
30,000 points initial rewards bonus
High rewards rate
No foreign transaction fees
Cons
Annual fee
No intro APR on purchases
No intro APR on balance transfers
Rewards Details
Intro Offer: Earn 30,000 bonus points ($300 travel value) after spending $3,000 on qualifying purchases within 90 days of account opening.
3X points on travel purchases - triple your points on tolls, rideshares, hotels, vacation rentals, flights and more.
2X points on everyday purchases - double your points on groceries, gas, dining, bills and more.
Earn 10,000 Bonus Points every year - applies after you complete eligible hotel or car booking. That's equal to a $100 travel value.
Up to $100 credit towards TSA PreCheck® or Global Entry® fee every four years.
Points never expire for the life of the account and there are no spend caps on point earning.
Redeem points your way, on your schedule.
Additional Info
Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
Enjoy valuable travel benefits and protection, including Auto Rental Coverage, Travel Accident Coverage, Trip Interruption Coverage, Baggage Delay Reimbursement, Purchase Security and Cell Phone Protection.
No foreign transaction fees.
A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Rebuild Damaged Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Rebuild Damaged Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Best for members rebuilding or establishing credit.
It's not a debit or prepaid card.
Determine your own credit limit ($250 to $5,000) with a security deposit.
USAA membership is available to active and former military and their eligible family members.
Travel Benefits: Auto Rental Coverage, Travel Accident Insurance, Trip Cancellation and Interruption Coverage, Baggage Delay and Reimbursement.
Security: Chip card technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.You are not liable for unauthorized purchases. Get account balances and transaction history by sending a text message. Access your account on usaa.com or from a mobile device.
To apply for the card, an existing checking or savings account with USAA Federal Savings Bank is required and it must have a minimum balance of $250.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Lower Cost of Existing Debt." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
3.0
User Reviews
3.5
Market Comparison
3.1
fees: 5.0
cost: 2.5
APR: 3.6
Purchase Intro APR→Not Offered
Transfer Intro APR→0% for 15 months|Transfer Fee:5%
Earn 5% cash back on your first $3,000 in gas and military base purchases annually on these categories combined
Earn 2% on your first $3,000 on supermarket purchases per year
Unlimited 1% cash back on all other purchases
Additional Info
USAA membership is available to active and former military and their eligible family members.
Security Benefits: Chip card technology has added security when used at a chip-enabled terminal and greater acceptance worldwide. Zero liability coverage for unauthorized transactions if your card is lost or stolen. Collision damage waiver coverage pays for physical damage and theft to most rental vehicles. Get account balances and transaction history by sending a text message. Access your account on usaa.com or from a mobile device.
Travel Benefits: Auto Rental Coverage, Travel Accident Insurance, Trip Cancellation and Interruption Coverage, Baggage Delay and Reimbursement.
Your Balance Transfer must post to your account within 90 days of account opening for the Introductory APR to apply to the transaction.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Lower Cost of Existing Debt." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
3.7
User Reviews
3.8
Market Comparison
3.1
fees: 5.0
cost: 2.5
APR: 3.6
Purchase Intro APR→Not Offered
Transfer Intro APR→0% for 15 months|Transfer Fee:5%
Regular APR→15.15% - 31.15% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
0% for 15 months|Transfer Fee:5%
Regular APR
15.15% - 31.15% (V)
annual fee
$0
rewards rate
1 - 3 points / $1
Bonus Offer
2,500 points
Bonus Offer
2,500 points
minimum credit
Excellent
WalletHub's Take: The USAA® Rewards™ American Express® Card has a $0 annual fee, a 0% foreign transaction fee and solid rewards in everyday spending categories. USAA Rewards Amex cardholders earn 3 points per $1 spent dining out as well as 2 points per $1 spent on gas and groceries, plus 1 point per $1 on everything else. USAA Rewards Amex points are worth a penny apiece on average, which means the card’s earning rates amount to 1% to 3% cash back. That also means the initial bonus of 2,500 points after your first purchase is worth about $25.
Pros
No membership fees
0% intro APR on balance transfers
High rewards rate
2,500 points initial rewards bonus
Cons
No intro APR on purchases
Balance transfer fee
Requires excellent credit
Rewards Details
Get 2,500 bonus points with your first purchase.
Earn 3X points per dollar spent on dining.
Earn 2X points per dollar spent on gas and groceries.
Earn 1X points for every dollar spent on all other purchases.
Redeem points for cash, merchandise, gift cards and more.
Additional Info
USAA membership is available to active and former military and their eligible family members.
Your Balance Transfer must post to your account within 90 days of account opening for the Introductory APR to apply to the transaction.
Security Benefits: Chip card technology has added security when used at a chip-enabled terminal and greater acceptance worldwide. Zero liability coverage for unauthorized transactions if your card is lost or stolen. Collision damage waiver coverage pays for physical damage and theft to most rental vehicles. Get account balances and transaction history by sending a text message. Access your account on usaa.com or from a mobile device.
Travel Benefits: Auto Rental Coverage, Travel Accident Insurance, Trip Cancellation and Interruption Coverage, Baggage Delay and Reimbursement.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Lower Cost of Existing Debt." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
3.3
User Reviews
3.9
Market Comparison
3.1
fees: 5.0
cost: 2.5
APR: 3.6
Purchase Intro APR→Not Offered
Transfer Intro APR→0% for 15 months|Transfer Fee:5%
Regular APR→15.15% - 31.15% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
0% for 15 months|Transfer Fee:5%
Regular APR
15.15% - 31.15% (V)
annual fee
$0
rewards rate
1 - 2 points / $1
Bonus Offer
2,500 points
Bonus Offer
2,500 points
minimum credit
Good
WalletHub's Take: The USAA Rewards Visa Signature Card is a pretty good option, worth considering if you’re a USAA member with good credit or better whose top expenses include gas and dining out. This USAA Visa card gives 2 points per $1 spent in those two categories, along with 1 point per $1 on all other purchases. New cardholders also get an initial bonus of 2,500 points simply by making a single purchase.
Pros
No membership fees
0% intro APR on balance transfers
High rewards rate
2,500 points initial rewards bonus
Cons
No intro APR on purchases
Balance transfer fee
Requires good/excellent credit
Rewards Details
Earn 2X points per $1 spent on gas and dining, 1X points for every dollar spent on all other purchases.
Get 2,500 bonus points with your first purchase.
Redeem points for cash, merchandise, gift cards and more.
Additional Info
Your Balance Transfer must post to your account within 90 days of account opening for the Introductory APR to apply to the transaction.
USAA membership is available to active and former military and their eligible family members.
Security Benefits: Chip card technology has added security when used at a chip-enabled terminal and greater acceptance worldwide. Zero liability coverage for unauthorized transactions if your card is lost or stolen. Collision damage waiver coverage pays for physical damage and theft to most rental vehicles. Get account balances and transaction history by sending a text message. Access your account on usaa.com or from a mobile device.
Travel Benefits: Auto Rental Coverage, Travel Accident Insurance, Trip Cancellation and Interruption Coverage, Baggage Delay and Reimbursement.
Pros, Cons, & Details
Want more credit card options?WalletHub makes it easy to compare credit card across many companies.
USAA has been in my wallet for 40 years. Last year, I called to increase my automatic payment. The automatic payment is many times the minimum payment. USAA has an outdated system that requires them to turn off automatic payments and then restart them. They did this for me while I was on the phone. I asked, and they said not to worry, the current payment would get made. It didn't. They blocked the card while I was traveling and engaged collection services. I paid them and stopped using the card, almost completely. One monthly charge remained, for $300.
Last month, they suddenly decided that my $1,000 automatic payment was too large, so they would only take $15—the minimum. Some bright manager probably figured they could encourage me to carry a balance this way. I called them up, and they confirmed that it wasn't an error. I registered a complaint which they ignored. I switched cards for that last monthly charge and paid the balance manually.
These guys are incompetent. I wouldn't trust them with your banking.
USSA credit card sucks. My interest rate started out at 10.1 and was told it wouldn’t go up. Now it’s at 17 percent therefore I closed the credit card and transferred all of my insurance to State Farm. I was surprised to find out that State Farm was Cheaper!
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Product: USAA Credit Cards
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Anthony @towtech6804
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5 Star Rating
Verified Customer
Regardless of the negative reviews I've seen on USAA, I'm very happy with USAA and their car insurance, their credit cards, and banking sector. Their score is 10 out of 10. Highly recommend USAA. ??
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Product: USAA Credit Cards
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Michael @cruvant
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5 Star Rating
Verified Customer
I have been well pleased with USAA bank. Their staff is always available and has the answers to my questions whenever I ask. I would also recommend their insurance plans for home and car.
I had my USAA credit card account hacked and that person made an unauthorized payment to USAA from my Checking account. I have been trying for a month now to get this reversed. Every time I call I have to start all over again with my story until I demand an escalation. I have called 5x and now and each time I'm told their working on and to call back at a later date. Today's call has me calling back on 12/09. I have been a member for 34 years, never missed a payment and this is how I'm being treated. All I want is my money back in my chercking account and USAA is giving me the run around. This company does not have your back. Do not believe their TV commercials. Find another credit card company.
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Product: USAA Credit Cards
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0
0
Roger @rhazelwood2001
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5 Star Rating
Verified Customer
I love my USAA card I depends on this card like a baby depends on his mother too feed him she always on time and that a good thing to have.
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Product: USAA Credit Cards
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0
0
Fred Morris @fhmorrisbvp
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1 Star Rating
USAA put an 8-day hold on an automatic bank payment, causing them to decline an important vendor charge since without that payment the card would have been over credit limit. This to a 54 year customer with no late payments.
I do not use this card very much I had a $5.67 balance that I was not aware of. I did not request paperless billing yet they never sent me a bill. They never called me to tell me that I had a delinquent balance. They reported me to all three agencies and my credit score dropped over 100 points. I tried several times to phone USAA to request help with this but there is nobody to speak with about this issue. I wrote the VP of the department...nothing. I appealed to USAA (also in writing) to remove the delinquency from my credit history...they refused saying they did nothing wrong. All this from a company who claims they have world class service. Right! This service was one of a kind for sure.
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Product: USAA Credit Cards
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0
0
Asenath @asenathc
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3 Star Rating
Verified Customer
Card doesn’t offer any perks except for a relatively low interest rate. The Customer Service is great and I do find that they are extremely helpful if you ever run into an issue.
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Product: USAA Credit Cards
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Donald @drondo
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1 Star Rating
Verified Customer
This company locked my account down the day before Christmas right after I got paid from Social security. I had to get an attorney the day before Christmas to get these people to release my funds so that I could have a merry Christmas with my family! And I am a disabled veteran and it was the day before Christmas!
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Product: USAA Credit Cards
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Review USAA Credit Cards
USAA Credit Card Q&A
Get answers to your questions about USAA Credit Cards below. Editorial and user-generated content is not provided, reviewed or endorsed by this issuer. In addition, WalletHub independently collected information for some of the cards on this page.
To log in to your USAA credit card account, go to the login page on the USAA website or mobile app and enter your username and password in the appropriate fields. Then, click the “Log On” to access your online account. If you don't already have an account, you will need to start by clicking “Register For Access” in order to set up a username and password.
How to Log in to a USAA Credit Card Account
Register your USAA credit card for online account access. Click “Register For Access” and enter your USAA number or Social Security number to verify your credit card account.
Choose your USAA username and password. The username must be at least 5 characters, including special characters, and no spaces. The password must contain at least 8 characters and have at least one lowercase letter, one uppercase letter, and one number. It can't start with an uppercase letter or end with a number. The password is case sensitive and may contain special characters.
Log in with your new USAA credentials. From the login page on the USAA website or mobile app, fill out the Online ID, Password and PIN fields using your new credentials, then click “Log On” to access your account.
After you have signed up and logged in, you'll be able to manage your USAA credit card account online. You can pay your credit card bill, see credit card statements, monitor account activity, and change account information such as passwords and automatic payments.
If you forget your login information, click “I need help logging on” on the USAA login page. Then, follow the prompts to reset or retrieve your username or password.
No, USAA doesn't have any student credit cards at the moment. This doesn't mean you are out of options, though, as there are several good student credit cards offered by other issuers. A good card to consider is the Capital One SavorOne Student Cash Rewards Credit Card (see Rates & Fees). This card offers 1 - 8% cash back on purchases and has a $0 annual fee. The card accepts people with no credit.
USAA has pre-approval, but it only extends pre-approved offers via mail or e-mail, or to existing customers through their online account. USAA does not have an online tool that anyone can use to check their pre-approval status. And unlike online pre-approvals that may return results for multiple cards with the highest odds of approval, USAA's mailed or e-mailed pre-approval offers will be for one specific credit card.
The best USAA cash back credit card is the USAA Preferred Cash Rewards Credit Card because it offers 1.5% cash back on purchases. The card also has a $0 annual fee and requires good credit for approval.
Ongoing Rewards: 5% cash back on gas and military base purchases (up to $3,000 spent per year), 2% cash back at supermarkets (up to $3,000 spent per year), and 1% back on all other purchases
Purchase Intro APR: Not Offered
Transfer Intro APR: 0% for 15 months
Balance Transfer Fee: 5%
Regular APR: 17.15% - 31.15% (V)
Annual Fee: $0
Minimum Credit Required: Excellent
Finally, you can see how the best USAA credit cards for cash back stack up against the best cash rewards cards overall. There are a lot of great offers out there from other issuers, and they're at least worth a look.
You can apply for a USAA credit card either online or over the phone at (800) 531-8722. Just note that in order to apply for any USAA credit card, you'll first need to sign up for a USAA membership on their website. So, make sure you meet the USAA eligibility requirements beforehand. Once you have established your membership, you can apply for a USAA credit card.
* WalletHub is committed to transparency and editorial independence. The information about the following cards has been independently collected by WalletHub: USAA® Secured American Express® Card, USAA® Secured Visa Platinum® Card, USAA® Cashback Rewards Plus American Express® Card, USAA® Rewards™ American Express® Card, USAA® Rewards™ Visa Signature® Card, and Five Star Bank College Rewards Visa® Credit Card
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.
