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 USAA credit card reviews below:

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USAA Rate Advantage Visa Platinum® Card

USAA Rate Advantage Visa Platinum® Card
  • Regular Purchase APR 6.90% to 23.90% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 6.90% to 23.90% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 6.90% to 23.90% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    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
  • Regular Purchase APR: 6.90% to 23.90% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% Introductory APR through your 02/01/2024 billing cycle
  • Balance Transfer APR: 6.90% to 23.90% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: 3% of the amount of each transfer
  • Cash Advance APR: 6.90% to 23.90% 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
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $35
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USAA Rewards™ American Express® Card

USAA Rewards™ American Express® Card
  • Regular Purchase APR 12.15% to 28.15% variable based on creditworthiness
  • Balance Transfer APR 12.15% to 28.15% variable based on creditworthiness
  • Cash Advance APR 12.15% to 28.15% variable based on creditworthiness
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    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
  • No annual fee
  • 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
  • Regular Purchase APR: 12.15% to 28.15% variable based on creditworthiness
  • Intro Balance Transfer APR: 0% Introductory APR through your 02/01/2024 billing cycle
  • Balance Transfer APR: 12.15% to 28.15% variable based on creditworthiness
  • Balance Transfer Transaction Fee: 3% of the amount of each transfer
  • Cash Advance APR: 12.15% to 28.15% 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
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $35

USAA® Cashback Rewards Plus American Express® Card

USAA® Cashback Rewards Plus American Express® Card
  • Regular Purchase APR 14.15% to 28.15% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 14.15% to 28.15% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 14.15% to 28.15% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Excellent , Good
  • Processing Network American Express
Best Benefits
  • No annual fee
  • 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
  • Earn 5% cash back on your first $3,000 in combined gas station and military base Purchases yearly
  • Earn 2% cash back on your first $3,000 in grocery Purchases yearly
  • Earn 1% on all your other card purchases
Rates & Fees
  • Regular Purchase APR: 14.15% to 28.15% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% Introductory APR through your 02/01/2024 billing cycle
  • Balance Transfer APR: 14.15% to 28.15% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: 3% of the amount of each transfer
  • Cash Advance APR: 14.15% to 28.15% 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
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $35

USAA® Preferred Cash Rewards Visa Signature® Card

USAA® Preferred Cash Rewards Visa Signature® Card
  • Regular Purchase APR 14.15% to 28.15% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 14.15% to 28.15% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 14.15% to 28.15% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    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
  • Regular Purchase APR: 14.15% to 28.15% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% Introductory APR through your 02/01/2024 billing cycle
  • Balance Transfer APR: 14.15% to 28.15% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: 3% of the amount of each transfer
  • Cash Advance APR: 14.15% to 28.15% 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
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $35
Credit Card Deals

Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.

Join today!

USAA® Rewards™ Visa Signature® Card

USAA® Rewards™ Visa Signature® Card
  • Regular Purchase APR 12.15% to 28.15% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 12.15% to 28.15% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 12.15% to 28.15% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    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
  • Regular Purchase APR: 12.15% to 28.15% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% Introductory APR through your 02/01/2024 billing cycle
  • Balance Transfer APR: 12.15% to 28.15% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: 3% of the amount of each transfer
  • Cash Advance APR: 12.15% to 28.15% 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
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $35
Credit Card Deals

Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.

Join today!

USAA Military Affiliate Visa Signature® Card

USAA Military Affiliate Visa Signature® Card
  • Regular Purchase APR 10.9% to 25.9% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 10.9% to 25.9% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 10.9% to 25.9% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Processing Network N/A
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
  • Regular Purchase APR: 10.9% to 25.9% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for the first 12 months from account opening
  • Balance Transfer APR: 10.9% to 25.9% 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: 10.9% to 25.9% 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
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $35

USAA Military Affiliate American Express® Card

USAA Military Affiliate American Express® Card
  • Regular Purchase APR 10.9% to 25.9% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 10.9% to 25.9% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 10.9% to 25.9% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Processing Network N/A
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
  • Regular Purchase APR: 10.9% to 25.9% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for the first 12 months from account opening
  • Balance Transfer APR: 10.9% to 25.9% 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: 10.9% to 25.9% 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
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $35

What Is USAA?

USAA stands for the United States Automotive Association. The company, based in San Antonio, Texas, offers a diverse range of financial services for its more than 12 million members across the United States. These services include insurance, banking, investments, and credit cards.

USAA, which began with just 25 members in 1924, is now a Fortune 500 company, with over $30 billion in revenue each year. USAA is also one of the largest credit card issuers in the U.S. The company currently has more than 8 million credit cards in circulation as of 2020.

Who Can Join USAA?

Membership with USAA is open to the United States military members and their families. The company welcomes those who serve, whether active duty, guard or reserve, or a veteran. This also includes midshipmen and cadets, plus officer candidates within 24 months of commissioning. All branches are welcome, including the U.S. Army, Navy, Air Force, Marines, Coast Guard, National Guard, and Reserves.

Family members of the above listed are also eligible for membership. This includes widows and widowers, as well as un-remarried ex-spouses of USAA members. Membership with USAA is free of charge.

Benefits of USAA Credit Cards

USAA Credit cards enjoy an extensive array of perks, benefits, and protection from the bank, as well as Visa and American Express. These benefits include:

  • No annual fees
  • Travel accident insurance
  • Trip cancellation and trip Interruption protection
  • Baggage delay reimbursement
  • Auto Rental Collision Damage Waiver
  • Extended warranty protection
  • USAA Concierge
  • ID theft resolution

Member Discounts

  • Car Buying Discounts: USAA members receive exclusive discounts when purchasing new or used cars via the USAA Car Buying Service.
  • Car Rentals: Up to 25% savings with partners like Avis, Budget, Enterprise, and Hertz.
  • Travel Discounts: Members receive price matching on cruises, hotels, resorts, and vacation packages booked with USAA.
  • Shopping Rewards and Discounts: Exclusive shopping discounts with hundreds of retailers, including savings on shipping, storage, and moving services.

Browse the Best Credit Cards

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