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USAA Credit Cards

USAA is widely respected as one of the most customer-friendly financial institutions in the nation. USAA membership is reserved for the members of the military, veterans who honorably served and their eligible family members.

USAA Cash Rewards World MasterCard®

Great for: A low regular APR everyday with cash back.

Credit Needed: Good

  • Variable rates as low as 9.90% APR on purchases, balance transfers and cash advances.
  • No annual fee.
  • Choose from cash, gift cards and travel rewards.
  • View Rates, Fees and Other Cost Information.
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
N/A N/A N/A N/A 9.90% to 25.90% Variable $0

USAA Rate Advantage MasterCard®

Great for: A very low regular APR.

Credit Needed: Good

  • No annual fee: And avoid fine-print fees — we don’t charge over-the-limit fees or penalty rates, so you keep more money in your pocket.
  • Get the lowest APR we offer you:* Variable rates starting at 6.90% Annual Percentage Rate (APR) on purchases, balance transfers and cash advances. It’s the same low rate for all transactions.
  • Free Travel and Retail Benefits:*Get benefits like Rental Car Collision Damage Coverage and Extended Warranty coverage on your purchases.
  • Making your busy life simpler: Our online and mobile tools help you manage your account anytime, anywhere.
  • *View Rates, Fees and Other Cost Information
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
N/A N/A N/A N/A 6.90% to 23.90% Variable $0

USAA Rewards™ American Express®

Great for: Generous cash back on gas and groceries.

Credit Needed: Good

  • Choose between 2X times the points or up to 2.25% cash back on gas and groceries.
  • Variable rates as low as 9.90% APR on purchases, balance transfers, and cash advances.
  • Flexibility to pay in full or over time.
  • No annual fee and zero liability for unauthorized transactions.
  • View Rates, Fees and Other Cost Information.
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
N/A N/A N/A N/A 9.90% to 25.90% Variable $0

USAA World MasterCard®

Great for: A low regular APR and flexible rewards.

Credit Needed: Good

  • Variable rates as low as 9.90% APR on purchases, balance transfers and cash advances.
  • No annual fee.
  • Choose from cash, gift cards and travel rewards.
  • View Rates, Fees and Other Cost Information.
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
N/A N/A N/A N/A 9.90% to 25.90% Variable $0

USAA Secured American Express® Card

Great for: Building good credit.

Credit Needed: Any

  • It’s a real credit card — not a prepaid or debit card, that helps you build or improve your credit score.
  • When you apply — you’ll also be opening a USAA 2-year Certificate of Deposit, an interest-earning deposit account that has a two-year term and a $250-minimum initial deposit.
  • Your CD is a security deposit — the money you put in upfront, from $250 to $5,000, is the card’s credit limit.
  • Earn interest on your CD — your deposit is guaranteed to grow. Plus the money is yours to keep as long as you don’t default on your payments.
  • Start building your credit — opening a CD lets you get a credit card even if you don’t have a credit history or have bad credit.*
  • *View Rates, Fees and Other Cost Information.
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
N/A N/A N/A N/A 9.90% Variable $35

USAA Secured MasterCard®

Great for: Building good credit.

Credit Needed: Any

  • It’s a real credit card — not a prepaid or debit card, that helps you build or improve your credit score.
  • When you apply — you’ll also be opening a USAA 2-year Certificate of Deposit, an interest-earning deposit account that has a two-year term and a $250-minimum initial deposit.
  • Your CD is a security deposit — the money you put in upfront, from $250 to $5,000, is the card’s credit limit.
  • Earn interest on your CD — your deposit is guaranteed to grow. Plus the money is yours to keep as long as you don’t default on your payments.
  • Start building your credit — opening a CD lets you get a credit card even if you don’t have a credit history or have bad credit.*
  • *View Rates, Fees and Other Cost Information.
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
N/A N/A N/A N/A 9.90% Variable $35