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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. Service members may be eligible for special benefits, such as reduced interest rates, during deployments.

Credit Needed: Good, Excellent

  • Earn 1.5% cash back on your everyday purchases.
  • Redeem your cash rewards anytime using your mobile device or computer
  • There's no limit on the amount you can earn.
  • Enjoy no foreign transaction fees when you travel outside of the United States.
  • Special Benefits for Military: Deployment/PCS rate: Get 4% APR on all balances for up to 12 months during deployment or PCS. After 12 months, the regular APR, currently between 11.90% and 25.90% , will apply. This rate will vary with the market based on the prime rate.
  • Chip technology has added security and greater acceptance worldwide.
  • Identity theft resolutions services provides assistance should you become the victim of identity theft.
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 12.15% to 26.15%* $0*

Credit Needed: Good, Excellent

  • Earn up to 2.25% cash back on gas and grocery purchases.
  • Earn up to 1.25% cash back on your everyday purchases
  • There's no limit on the amount you can earn.
  • Cash rebates are awarded annually in January.
  • Redeem your cash rewards anytime using your mobile device or computer.
  • Special Benefits for Military: Deployment/PCS rate: Get 4% APR on all balances for up to 12 months during deployment or PCS. After 12 months, the regular APR of between 9.90% and 25.90% will apply. This rate will vary with the market based on the prime rate.
  • Zero liability coverage for unauthorized transactions if your card is lost or stolen.
  • Concierge, emergency and roadside assistance.
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 12.15% to 26.15%* $0*

Credit Needed: Good, Excellent

  • Enjoy our lowest rate card
  • Pay no annual fee, penalty APR or foreign transaction fees
  • Get travel and retail benefits
  • Special Benefits for Military:
  • Reduced Rate: Get 4% APR on all balances for up to 12 months during deployment or PCS. After 12 months, the regular APR of between 6.90% and 23.90% will apply. This rate will vary with the market based on the prime rate.
  • Special 4% SCRA Rate: When you have a balance on your account at the time you enter active military duty, get 4% APR on that existing balance until one year after you complete active duty.
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 7.15% to 24.15%* $0*

Credit Needed: Good, Excellent

  • Earn one point for every dollar spent on your everyday purchases.
  • Get 2,500 bonus points with your first purchase.
  • No expiration date or caps on any points earned.
  • Redeem your points for cash, merchandise, gift cards or travel or donate to your favorite military affiliate group.
  • Redeem for cash on your mobile device.
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 10.15% to 26.15%* $0*

Credit Needed: Any

  • Best for members rebuilding or establishing credit.
  • It's a real credit card — not a debit or prepaid card.
  • Determine your own credit limit ($250 to $5,000) with an interest-earning CD.
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 10.15% to 20.15%* $35*