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USAA credit cards may not be as popular as cards from issuers like American Express and Chase, but they're also not as widely available. That's because financial products from USAA are only for those with some sort of military affiliation, whether they're active duty military, a veteran or an eligible family member (and they need to be a USAA member to apply).
Best USAA Credit Cards
USAA Rewards™ American Express® Credit Card: Best for rewards on everyday purchases
USAA Rewards™ Visa Signature® Credit Card: Best Visa card for rewards on everyday purchases
USAA Cashback Rewards Plus American Express® Credit Card: Best for active duty military
USAA Secured Visa® Platinum Credit Card: Best secured credit card for credit-building
Compare the Best USAA Credit Cards
Best for rewards on everyday purchases
USAA Rewards™ American Express® Credit Card
3.6/5
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
2,500 bonus points after your first purchase
Rewards
Earn 3X points on dining. Earn 2X points on groceries. Earn 2X points at gas stations. Earn 1X points on other purchases.
Best for rewards on everyday purchases
USAA Rewards™ American Express® Credit Card
3.6/5
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
2,500 bonus points after your first purchase
Rewards
Earn 3X points on dining. Earn 2X points on groceries. Earn 2X points at gas stations. Earn 1X points on other purchases.
On USAA’s website. You must be or become a USAA member to apply.
Best for rewards on everyday purchases
Insider’s Take
The USAA Rewards™ American Express® Credit Card offers an excellent rewards rate for cardholders who spend a lot on everyday purchases like dining, groceries, and gas. The intro APR offer for balance transfers and convenience checks can also make this card a good choice for consolidating high-interest debts.
Details
Rewards
Earn 3X points on dining. Earn 2X points on groceries. Earn 2X points at gas stations. Earn 1X points on other purchases.
Annual Fee
$0
Intro offer
2,500 bonus points after your first purchase
Recommended Credit
Good, Excellent
Regular Annual Percentage Rate (APR)
14.90% - 30.90% Variable
Intro Annual Percentage Rate (APR)
0% intro APR for 15 months on balance transfers and convenience checks that post to your account within 90 days of account opening
Editor's Rating
3.6/5
3.6 out of
5 Stars
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
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Pros & Cons
Pros
Great rewards rates for everyday spending categories
No annual fee
No foreign transaction fees
Comes with a handful of travel coverage benefits
Cons
Unimpressive welcome offer
No intro APR offer for purchases
Potential for a high ongoing variable APR
Best Visa card for rewards on everyday purchases
USAA Rewards™ Visa Signature® Credit Card
3/5
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
2,500 bonus points after your first purchase
Rewards
Earn 2X points on dining. Earn 2X points at gas stations. Earn 1X points on other purchases.
Best Visa card for rewards on everyday purchases
USAA Rewards™ Visa Signature® Credit Card
3/5
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
2,500 bonus points after your first purchase
Rewards
Earn 2X points on dining. Earn 2X points at gas stations. Earn 1X points on other purchases.
On USAA’s website. You must be or become a USAA member to apply.
Best Visa card for rewards on everyday purchases
Insider’s Take
The USAA Rewards™ Visa Signature® Credit Card is a decent rewards credit card for consumers who want to earn points on everyday purchases with no annual fee. The card's intro APR for balance transfers and convenience checks also makes it an option worth considering if you need to consolidate and pay down other debts.
Details
Rewards
Earn 2X points on dining. Earn 2X points at gas stations. Earn 1X points on other purchases.
Annual Fee
$0
Intro offer
2,500 bonus points after your first purchase
Recommended Credit
Good, Excellent
Regular Annual Percentage Rate (APR)
14.90% - 30.90% Variable
Intro Annual Percentage Rate (APR)
0% intro APR for 15 months on balance transfers and convenience checks that post to your account within 90 days of account opening
Editor's Rating
3/5
3 out of
5 Stars
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Show more
Pros & Cons
Pros
Decent rewards rate in everyday spending categories
No annual fee
No foreign transaction fees
Comes with Visa Signature benefits
Cons
Unimpressive welcome offer
No intro APR offer for purchases
Potential for a high ongoing variable APR
Best for active duty military
USAA Cashback Rewards Plus American Express® Credit Card
3.1/5
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
None
Rewards
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 unlimited 1% cash back on other purchases.
Best for active duty military
USAA Cashback Rewards Plus American Express® Credit Card
3.1/5
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
None
Rewards
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 unlimited 1% cash back on other purchases.
USAA Cashback Rewards Plus American Express® Credit Card
On USAA’s website. You must be or become a USAA member to apply.
Best for active duty military
Insider’s Take
The Cashback Rewards Plus American Express® Credit Card is excellent for active duty military due to its rewards rate of 5% cash back on up to $3,000 in combined gas station and military base purchases each year. The card's intro APR offer for balance transfers and convenience checks also makes it worth considering if you need to consolidate debt.
Details
Rewards
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 unlimited 1% cash back on other purchases.
Annual Fee
$0
Intro offer
None
Recommended Credit
Good, Excellent
Regular Annual Percentage Rate (APR)
16.90% - 30.90% Variable
Intro Annual Percentage Rate (APR)
0% intro APR for 15 months on balance transfers and convenience checks that post to your account within 90 days of account opening
Editor's Rating
3.1/5
3.1 out of
5 Stars
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Show more
Pros & Cons
Pros
Generous rewards rate on gas station and military base spending (up to limits) each year
No annual fee and no foreign transaction fees
Intro APR offer for balance transfers and convenience checks
Comes with a handful of travel benefits
Cons
No welcome offer
No intro APR offer for purchases
Annual spending caps for rewards limit its potential
Potential for a high ongoing variable APR
Best for flat-rate rewards
USAA Preferred Cash Rewards Visa Signature® Credit Card
3.1/5
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
USAA Preferred Cash Rewards Visa Signature® Credit Card
3.1/5
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
On USAA’s website. You must be or become a USAA member to apply.
Best for flat-rate rewards
Details
Rewards
1.5% cash back on purchases
Annual Fee
$0
Intro offer
N/A
Recommended Credit
Fair, Good, Excellent
Regular Annual Percentage Rate (APR)
17.15% - 31.15% variable
Intro Annual Percentage Rate (APR)
0% intro APR for 15 months on purchases
Editor's Rating
3.1/5
3.1 out of
5 Stars
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Show more
Pros & Cons
Pros
No annual fee
No bonus categories to keep track of
Intro APR period
Comes with some travel coverage
Cons
Like other USAA products, only available to current and former military as well as their spouses and dependents
You can earn more cash back with more redemption options on other cards
Charges a balance transfer fee
No welcome bonus
Highlights
More Information
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.
Earn unlimited 1.5% cash back on purchases, no category restrictions, no caps on cash back.
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.
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
N/A
Best for balance transfers and convenience checks
USAA Rate Advantage Visa® Platinum Credit Card
3.33/5
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
On USAA’s website. You must be or become a USAA member to apply.
Best for balance transfers and convenience checks
Insider’s Take
The USAA Rate Advantage Visa® Platinum Credit Card could be a good option for USAA members who want the chance to consolidate and pay down high-interest debt. Since its intro APR offer applies to balance transfers as well as convenience checks, this card can also work well for cardmembers who want to access a short-term, interest-free loan. That said, using credit card convenience checks that arrive in the mail will still trigger a cash advance fee, and keep in mind that this card doesn't earn rewards.
Details
Annual Fee
$0
Intro offer
N/A
Recommended Credit
Fair, Good, Excellent
Regular Annual Percentage Rate (APR)
12.15% - 29.15% variable
Intro Annual Percentage Rate (APR)
0% intro APR for 15 months on balance transfers and convenience checks that post to your account within 90 days of account opening
Editor's Rating
3.33/5
3.33 out of
5 Stars
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Show more
Pros & Cons
Pros
Intro APR offer
Lower interest rate than other cards if you carry a balance
No annual fee
No foreign transaction fee
Cons
No rewards
Balance transfers have a fee
Like other USAA products, only available to current and former military as well as their spouses and dependents
Highlights
More Information
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 29.15% 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.
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
None
Rewards
None
Best secured credit card for building credit
USAA Secured Visa® Platinum Credit Card
2.5/5
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
On USAA’s website. You must be or become a USAA member to apply.
Best secured credit card for building credit
Insider’s Take
If you have imperfect credit or a limited credit history and you're looking for a credit card that can help you improve your standing, the USAA Secured Visa® Platinum Credit Card can be a good fit. This secured credit card requires a refundable security deposit of at least $250 to get started, but it can help you build credit when you make on-time payments and use credit responsibly.
Details
Rewards
None
Annual Fee
$0
Intro offer
None
Recommended Credit
Fair
Regular Annual Percentage Rate (APR)
27.90% Variable
Editor's Rating
2.5/5
2.5 out of
5 Stars
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Show more
Pros & Cons
Pros
Reports to the three credit bureaus to help build credit
Easier to get approved for than unsecured cards
Comes with several travel benefits
Cons
No rewards for spending
Security deposit required
USAA Credit Cards Frequently Asked Questions
Who is eligible for USAA credit cards?
Active duty military personnel, veterans and eligible spouses and family members can join USAA and apply for the institution's financial products.
Do USAA credit cards charge foreign transaction fees?
USAA credit cards do not charge foreign transaction fees.
How do you avoid paying interest on a USAA credit card?
Paying your credit card statement balance in full each billing cycle can help you avoid paying interest on USAA credit cards.
USAA Credit Card Reviews
USAA credit cards are generally rated as the best credit cards for customer satisfaction, and in fact earned the top spot in J.D. Power's 2022 U.S. Credit Card Satisfaction Study based on the experiences of previous customers. If you belong to the USAA or meet the criteria to join, read on to learn which USAA credit cards are the best.
USAA Rewards American Express Credit Card
The USAA Rewards™ American Express® Credit Card is a solid rewards card for USAA members who want to earn points on regular purchases with no annual fee. Not only can cardholders earn 2,500 bonus points after making a first purchase, but they also earn 3x points on dining, 2x points on groceries and gas station purchases, and 1 point per dollar on other purchases.
This card also has an intro APR offer that can work well for some consumers. Specifically, cardholders qualify for 0% intro APR for 15 months on balance transfers and convenience checks that post to your account within 90 days of account opening (followed by 14.90% - 30.90% Variable). While this offer is pretty decent when it comes to debt consolidation, it's worth noting that some of the best balance transfer credit cards from other issuers offer a 0% intro APR for up to 21 months.
Other notable cardholder benefits of the USAA Rewards™ American Express® Credit Card include auto rental coverage, travel accident insurance, trip cancellation and interruption insurance, and baggage delay and reimbursement. You can redeem you rewards for a range of options including travel, gift cards, and merchandise.
USAA Rewards Visa Signature Credit Card
The USAA Rewards™ Visa Signature® Credit Card offers a decent rewards rate in everyday spending categories and on all your other purchases, and with no annual fee to boot. While the rewards rate isn't quite as high as what you would get with the USAA Rewards™ American Express® Credit Card, the USAA Rewards™ Visa Signature® Credit Card is a Visa credit card that is more widely accepted worldwide. Cardholders also get a range of Visa Signature benefits, as well as auto rental coverage, trip cancellation and interruption insurance, travel accident insurance, and baggage delay and reimbursement coverage.
Applicants who choose this card won't pay an annual fee, and they can earn 2x points on dining and gas station purchases and 1 point per dollar on other purchases. You can earn a welcome bonus of 2,500 bonus points after your first purchase. As with the USAA Rewards Amex Card, you can redeem rewards for travel, merchandise, gift cards, cash back, or charitable contributions.
Cardholders also get 0% intro APR for 15 months on balance transfers and convenience checks that post to your account within 90 days of account opening, followed by 14.90% - 30.90% Variable. That makes the USAA Rewards™ Visa Signature® Credit Card an okay option for debt consolidation, but there are better balance transfer cards out there.
USAA Cashback Rewards Plus American Express Credit Card
The USAA Cashback Rewards Plus American Express® Credit Card is best for active duty military based on the fact it offers 5% cash back on up to $3,000 in combined gas station and military base purchases each year (then 1% back). Members also earn 2% back on up to $3,000 in grocery store purchases each year (then 1% back) and 1% cash back on other purchases.
Another benefit that comes with the card is its 0% intro APR for 15 months on balance transfers and convenience checks that post to your account within 90 days of account opening. After this offer ends, 16.90% - 30.90% Variable applies. The USAA Cashback Rewards Plus Amex Card comes with similar benefits as other USAA credit cards, including auto rental coverage, travel accident insurance, baggage delay reimbursement, and trip cancellation and interruption insurance.
USAA Preferred Cash Rewards Visa Signature Credit Card
The USAA Preferred Cash Rewards Visa Signature® Credit Card is the only USAA credit card that offers flat-rate rewards for spending (as opposed to different earning rates based on the type of purchase you make), so it's a good option for individuals who want to earn unlimited rewards that are simple to keep track of. After signing up, cardholders can earn 1.5% cash back on all their purchases with no limits at all. Plus, there's no annual fee, no foreign transaction fees, and no hidden fees to keep track of.
Even though this card offers cash back instead of points, you can still redeem rewards for flexible options like travel, gift cards, merchandise, cash back via a statement credit or a transfer to a USAA bank account, or charitable contributions.
Unlike other USAA credit cards with intro APR offers for balance transfers and convenience checks, the USAA Preferred Cash Rewards Visa Signature® Credit Card comes with 0% intro APR for 15 months on purchases (followed by 17.15% - 31.15% variable). That makes it a poor option for debt consolidation but a relatively good choice for people who want to pay down large purchases over time without any interest.
Like other USAA credit cards, the USAA Rate Advantage Visa® Platinum Credit Card doesn't have an annual fee, foreign transaction fees, or any hidden fees. That said, this card doesn't offer any rewards either, mostly because it's geared to consumers who want to consolidate debt.
Interestingly, this card has a similar intro APR for balance transfers and credit card convenience checks as other USAA credit cards in our ranking. Specifically, new cardholders qualify for 0% intro APR for 15 months on balance transfers and convenience checks that post to your account within 90 days of account opening (followed by 12.15% - 29.15% variable).
This card also comes with similar perks as other USAA credit cards in this round-up, including travel benefits like auto rental coverage, trip cancellation and interruption insurance, baggage delay and reimbursement coverage, and travel accident insurance.
If you have poor credit or a very limited credit history, it's possible you'll need to apply for a secured credit card and build your score before you can get approved for an unsecured card. The USAA Secured Visa® Platinum Credit Card is the best option among USAA credit cards in this realm since it comes with no annual fee, no foreign transaction fees, and no hidden fees.
This secured credit card also offers an initial credit limit of $250 to $5,000 based on your refundable security deposit amount, and it reports to the three credit bureaus to help you build credit over time.
This being said, there are other secured credit cards that do the same thing but offer more perks and rewards on your spending. With that in mind, you should compare all the best secured credit cards on the market today before you choose this offer.
Why You Should Trust Us: How We Chose the Best USAA Credit Cards
To come up with this list of the best USAA credit cards, we evaluated cards based on the following factors:
Welcome bonus
Annual fee
Earning rewards
Redeeming rewards
Other benefits
We also consider how easy it is to take advantage of a card's features—do you have to jump through a lot of hoops to get maximum value, or is it straightforward to use?
Holly Johnson is a credit card expert, award-winning writer, and mother of two who is obsessed with frugality, budgeting, and travel. In addition to serving as contributing editor for The Simple Dollar and writing for publications such as Bankrate, U.S. News and World Report Travel, and Travel Pulse, Johnson owns Club Thrifty and is the co-author of "Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love."
Angela Fung is the marketing compliance manager at Personal Finance Insider, overseeing a team that ensures content accuracy and editorial independence so readers are always getting up-to-date and objective financial advice. She is the primary contact for credit cards compliance and has experience managing content and partnerships for the banking, loans, and investment verticals as well. The compliance team's mission is to provide readers with stories that are fact-checked and current, so they can make informed financial decisions. The team also works to minimize risk for partners by making sure language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team.
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