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USAA Credit Cards

United States Automobile Association credit cards are offered to members of the military, veterans, and their immediate families. USAA credit cards typically low interest rates and are great for building credit and earning rewards points. Browse credit cards from our partners below:

  • Regular Purchase APR 12.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR
  • Balance Transfer APR 12.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 12.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Good
  • Processing Network Visa
Best Benefits
  • 2,500 bonus points credited to your account with your first purchase
  • Collision damage waiver coverage pays for physical damage and theft to most rental vehicles
  • Identity theft resolutions services provides assistance should you become the victim of identity theft
  • Extended warranty extends your manufacturers or U.S. store brand warranties for up to one year
Rates & Fees
  •  Intro Purchase APR:
  •  Regular Purchase APR: 12.40% to 27.40% variable based on creditworthiness and the Prime Rate
  •  Intro Balance Transfer APR: 0% for the first 12 months from account opening
  •  Balance Transfer APR: 12.40% to 27.40% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer Transaction Fee: 3% of the amount of each transfer (maximum fee per transfer $200)
  •  Cash Advance APR: 12.40% to 27.40% variable based on creditworthiness and the Prime Rate
  •  Cash Advance Transaction Fee: 3% of the amount of each cash advance (maximum fee for each convenience check: $200). Fee waived when transferring funds electronically to a USAA deposit account
  •  Penalty APR: None
  •  Annual Fee: None
  •  Foreign Transaction Fee: None
  • Late Payment Penalty Fee: Up to $35
  •  Return Payment Penalty Fee: Up to $35
  •  Over Limit Penalty Fee: None
  •  Minimum Deposit Required:
  •  Credit Needed: Good

  • Regular Purchase APR 12.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR
  • Balance Transfer APR 12.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 12.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Good
  • Processing Network American Express
Best Benefits
  • 2,500 bonus points credited to your account with your first purchase
  • Collision damage waiver coverage pays for physical damage and theft to most rental vehicles
  • Identity theft resolutions services provides assistance should you become the victim of identity theft
  • Extended warranty extends your manufacturers or U.S. store brand warranties for up to one year
Rates & Fees
  •  Intro Purchase APR:
  •  Regular Purchase APR: 12.40% to 27.40% variable based on creditworthiness and the Prime Rate
  •  Intro Balance Transfer APR: 0% for the first 12 months from account opening
  •  Balance Transfer APR: 12.40% to 27.40% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer Transaction Fee: 3% of the amount of each transfer (maximum fee per transfer $200)
  •  Cash Advance APR: 12.40% to 27.40% variable based on creditworthiness and the Prime Rate
  •  Cash Advance Transaction Fee: 3% of the amount of each cash advance (maximum fee for each convenience check: $200). Fee waived when transferring funds electronically to a USAA deposit account
  •  Penalty APR: None
  •  Annual Fee: None
  •  Foreign Transaction Fee: None
  • Late Payment Penalty Fee: Up to $35
  •  Return Payment Penalty Fee: Up to $35
  •  Over Limit Penalty Fee: None
  •  Minimum Deposit Required:
  •  Credit Needed: Good

  • Regular Purchase APR 8.40% to 25.40% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR
  • Balance Transfer APR 8.40% to 25.40% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 8.40% to 25.40% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • Pay no foreign transaction fees when you travel outside the U.S.
  • Get free collision damage waiver coverage to pay for physical damage and theft to most vehicle rentals
  • Extend your manufacturer's or U.S. store-brand warranties
  • No annual fee
Rates & Fees
  •  Intro Purchase APR:
  •  Regular Purchase APR: 8.40% to 25.40% variable based on creditworthiness and the Prime Rate
  •  Intro Balance Transfer APR: N/A
  •  Balance Transfer APR: 8.40% to 25.40% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer Transaction Fee: 3% of the amount of each transfer
  •  Cash Advance APR: 8.40% to 25.40% variable based on creditworthiness and the Prime Rate
  •  Cash Advance Transaction Fee: 3% of the amount of each cash advance. Fee waived when transferring funds electronically to a USAA deposit account
  •  Penalty APR: None
  •  Annual Fee: None
  •  Foreign Transaction Fee: None
  • Late Payment Penalty Fee: Up to $35
  •  Return Payment Penalty Fee: Up to $35
  •  Over Limit Penalty Fee: None
  •  Minimum Deposit Required:
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 11.40% to 27.40% variable based on creditworthiness
  • Intro Purchase APR
  • Balance Transfer APR 11.40% to 27.40% variable based on creditworthiness
  • Cash Advance APR 11.40% to 27.40% variable based on creditworthiness
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network American Express
Best Benefits
  • Unlimited Points — 3X points for dining out, 2X points on gas and groceries, and 1X points for every dollar spent on other purchases
  • 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
  • Added Protection — We help give you peace of mind with: Experienced support if your identity is stolen, extended warranties on your purchases, and travel accident and baggage delay insurance
  • Pay no foreign transaction fees when you travel outside the U.S.
Rates & Fees
  •  Intro Purchase APR:
  •  Regular Purchase APR: 11.40% to 27.40% variable based on creditworthiness
  •  Intro Balance Transfer APR: N/A
  •  Balance Transfer APR: 11.40% to 27.40% variable based on creditworthiness
  •  Balance Transfer Transaction Fee: 3% of the amount of each transfer
  •  Cash Advance APR: 11.40% to 27.40% variable based on creditworthiness
  •  Cash Advance Transaction Fee: 3% of the amount of each cash advance. Fee waived when transferring funds electronically to a USAA deposit account
  •  Penalty APR: None
  •  Annual Fee: None
  •  Foreign Transaction Fee: None
  • Late Payment Penalty Fee: Up to $35
  •  Return Payment Penalty Fee: Up to $35
  •  Over Limit Penalty Fee: None
  •  Minimum Deposit Required:
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 13.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR
  • Balance Transfer APR 13.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 13.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network American Express
Best Benefits
  • Earn a $150 bonus after you make $500 in Qualifying Purchases within the first 90 days of opening your account
  • Get free collision damage waiver coverage to pay for physical damage and theft to most vehicle rentals
  • Extend your manufacturers warranty at no extra cost
Rates & Fees
  •  Intro Purchase APR:
  •  Regular Purchase APR: 13.40% to 27.40% variable based on creditworthiness and the Prime Rate
  •  Intro Balance Transfer APR: N/A
  •  Balance Transfer APR: 13.40% to 27.40% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer Transaction Fee: 3% of the amount of each transfer
  •  Cash Advance APR: 13.40% to 27.40% variable based on creditworthiness and the Prime Rate
  •  Cash Advance Transaction Fee: 3% of the amount of each cash advance. Fee waived when transferring funds electronically to a USAA deposit account
  •  Penalty APR: None
  •  Annual Fee: None
  •  Foreign Transaction Fee: None
  • Late Payment Penalty Fee: Up to $35
  •  Return Payment Penalty Fee: Up to $35
  •  Over Limit Penalty Fee: None
  •  Minimum Deposit Required:
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 13.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR
  • Balance Transfer APR 13.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 13.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • Easy, Unlimited 1.5% Cash Back on Purchases
  • Get free collision damage waiver coverage to pay for physical damage and theft to most vehicle rentals
  • Extend your manufacturer's or U.S. store-brand warranties
  • Manage your account with tools to help you transfer balances, set travel notifications and report your card lost or stolen
Rates & Fees
  •  Intro Purchase APR:
  •  Regular Purchase APR: 13.40% to 27.40% variable based on creditworthiness and the Prime Rate
  •  Intro Balance Transfer APR: N/A
  •  Balance Transfer APR: 13.40% to 27.40% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer Transaction Fee: 3% of the amount of each transfer
  •  Cash Advance APR: 13.40% to 27.40% variable based on creditworthiness and the Prime Rate
  •  Cash Advance Transaction Fee: 3% of the amount of each cash advance. Fee waived when transferring funds electronically to a USAA deposit account
  •  Penalty APR: None
  •  Annual Fee: None
  •  Foreign Transaction Fee: None
  • Late Payment Penalty Fee: Up to $35
  •  Return Payment Penalty Fee: Up to $35
  •  Over Limit Penalty Fee: None
  •  Minimum Deposit Required:
  •  Credit Needed: Excellent , Good

  • Regular Purchase APR 11.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR
  • Balance Transfer APR 11.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 11.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • 2X points on dining and gas, 1X points on all other purchases
  • Get free collision damage waiver coverage to pay for physical damage and theft to most vehicle rentals
  • Extend your manufacturer's or U.S. store-brand warranties
  • Manage your account with tools to help you transfer balances, set travel notifications and report your card lost or stolen
Rates & Fees
  •  Intro Purchase APR:
  •  Regular Purchase APR: 11.40% to 27.40% variable based on creditworthiness and the Prime Rate
  •  Intro Balance Transfer APR: N/A
  •  Balance Transfer APR: 11.40% to 27.40% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer Transaction Fee: 3% of the amount of each transfer
  •  Cash Advance APR: 11.40% to 27.40% variable based on creditworthiness and the Prime Rate
  •  Cash Advance Transaction Fee: 3% of the amount of each cash advance. Fee waived when transferring funds electronically to a USAA deposit account
  •  Penalty APR: None
  •  Annual Fee: None
  •  Foreign Transaction Fee: None
  • Late Payment Penalty Fee: Up to $35
  •  Return Payment Penalty Fee: Up to $35
  •  Over Limit Penalty Fee: None
  •  Minimum Deposit Required:
  •  Credit Needed: Excellent , Good

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