Check the data at the top of this page and the bank's website for the most current information. Its APR is stunning: 8.40% - 25.40% Variable. This coverage may provide up to $500,000 depending on the loss. Positives Loan application is fast and easy Offers that loan speed discount Also provides flexible terms and conditions Downsides Need a great Disabled American Veterans USAA Rewards Visa Signature Card. Credit Scores range from 300-850, the higher the better. USAA Credit Card Agreement - 09/2021 . 670 739. . Special Offer. Get a 0% intro APRfor15 months on balance transfers and convenience checks that post to your account within 90 days of account opening. This benefit may provide reimbursement up to $1,000. Copyright 2022 CreditCards.com a Red Ventures Company. Please select your card type to submit a claim online . This singular mission requires a dedication to innovative thinking at every level. The USAA Rewards Visa Signature also offers 2,500 points when you make your first purchase. Though the absence of an instant approval may seem like a sure path to denial, thats not always the case. Cadets and midshipmen at U.S. service academies, in advanced ROTC or on ROTC scholarship, and officer candidates within 24 months of commissioning. Related reading: Best no-annual-fee credit cards for international travel. NOTE: If using the USAA mobile app, select Inbox.. Credit ranges are a variation of FICO Score 8, one of many types of credit scores lenders may use when considering your credit card application. Purpose of Job. San Antonio, Texas 78288-0544 . Credit Recommended (670-850) Apply now at USAA's secure site. To find out more about the status of your application, you can contact USAA by phone, log into your USAA members account, or wait five to seven business days for a formal letter. Keep an eye on your inboxwell be sending over your first message soon. Good to Excellent. Best credit cards to use for charitable donations, 14 ways to give back during the coronavirus outbreak, The best credit cards for active-duty military, Best credit cards for rental car coverage, The best credit cards that offer trip cancellation and interruption coverage, Best credit cards for extended warranties, Best cards with no foreign transaction fees, The top no-annual-fee credit cards with a 0% intro APR. Credit Recommended (300-670) Apply now at USAA's secure site. Sign up for our TPG daily newsletter and check out our beginner's guide. . She has appeared on the Today show, Nasdaq and CNBCs Nightly Business Report., Best Balance Transfer & 0% APR Credit Cards, NerdWallets Best Credit Card Tips for November 2022, Get more smart money moves straight to your inbox. 3% Balance transfer fee. USAA Secured Card American Express. We believe everyone should be able to make financial decisions with confidence. Our team is made up of diverse individuals with a wide range of expertise and complementary backgrounds. Related reading: The best secured credit cards for building or repairing credit. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Is this card worth it? If you are a USAA member, these cards are worth considering -- especially if you dont have strong enough credit to be approved for the best cash back credit cards and top travel rewards credit cards. As of May 2022, the average credit card annual percentage rate among accounts assessed interest was 16.65%, according to the Federal Reserve but you may qualify for an interest rate well below that average with the. Shopping & discounts Includes a car buying service, online shopping, travel deals and home solutions. You can reach any department if you have any trouble or you need the advice to make a decision on which card is suitable for you. Login to your USAA member account for home, life, and auto insurance as well as online banking and investment services. Let's take a look at the details of each of these USAA credit cards and offers, including rewards rates, bonuses and fees. Well run a soft credit pull, which wont impact your credit score, Youll see your estimated approval odds near cards to help you narrow down your options. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). To apply for any USAA credit card, you'll first need to sign up for a USAA membership on their website. If you were denied for a USAA credit card and would like to compare additional options, you can view our Best Credit Cards page. USAA offers both cashback and rewards credit cards. Currently, the USAA Rate Advantage Visa Platinum Card will likely be the easiest card to be approved for since it doesnt offer rewards and it advertises a low APR rate. Check Application Status for Credit Card Via Phone . If you experience an illness or emergency while away from home you can call the benefits center for help. Covered people include you, your spouse and dependent children. Membership is open to current and former military members, their spouses and children. you agree to receive a one-time automated text message with a link to get the app. Membership is open to: Active, retired and honorably separated officers and enlisted personnel of the U.S. military. Best credit cards for active-duty military. Related reading: Why you should get (and keep) a no-annual-fee credit card. MORE: NerdWallets best cash-back credit cards. CreditCards.com does not include the entire universe of available financial or credit offers.CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. The offers that appear on this site are from companies from which CreditCards.com receives compensation. Input your monthly and yearly spend amounts into our tool and get a list of credit cards that earns you the most points, miles, and cash back. Widows, widowers and former spouses of USAA members who have or had a USAA auto or property insurance policy. By providing my email address, I agree to CreditCards.coms The information we present is for educational purposes only and you should consult a licensed financial professional before making any financial decisions. Please view our advertising policy page for more information. Credit Recommended (580-740) Apply now at USAA's secure site. USAA offers automatic credit limit increases on USAA Rewards, Cash Rewards, Cashback Rewards, Rate Advantage and military affiliate credit cards. Youll earn elevated rewards in the big three spending categories dining out, gas and groceries. This Agreement is made by and between USAA Savings Bank and each Cardholder and any other person who uses the Account. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. However all credit card information is presented without warranty. There are also no foreign transaction fees. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. Well use this information to to verify your credit profile. Earn 2,500 bonus points after your first qualifying purchase. preview USAA Rewards Visa Signature Credit . But read on, because you may be pleasantly surprised about whether you qualify. Membership eligibility and product restrictions apply and are subject to change. Every day, we strive to bring you peace-of-mind as you work toward your financial goals. Hover over the credit limit column to view more details, or click on a date to view the application result. $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for checked baggage fees, lounge day passes, and more at one selected airline. Retirement & IRAs Includes trust services, long-term care and wealth management. To check the status of your USAA Credit Card application by phone, you can complete the following steps: Call the USAA Credit Card and Banking Department at 1.800.531.8722. If you are carrying a balance on your credit card -- which we dont recommend if at all possible -- the USAA Rate Advantage Visa Platinum Card may allow you to pay less interest. Many or all of the products featured here are from our partners who compensate us. These $0-annual-fee USAA credit cards offer rewards and other perks for USAA members, like travel protections. 1 - 4 application status details of 4. Usaa Credit Card Sign In will sometimes glitch and take you a long time to try different solutions. Purchases Intro APR. After this time, a variable regular APR will apply. MORE: NerdWallets best no annual fee travel credit cards. ), If you dont want every purchase to turn into a which card should I use? dance at the register, a flat-rate card like the Preferred Cash Rewards Visa Signature Credit Card keeps things hassle-free. Shortcut mobile number: #USAA (8722) Main phone number. Jennifer Lobb is a small business and personal finance writer. Earn 1.5X points (thats an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year. If your checked baggage is delayed on a common carrier trip, you may be reimbursed for essential items you buy while your baggage is delayed for four or more hours. You'll also have high approval odds if you receive a pre-approved offer in the mail. About Our Offers. (As of August 2022.). APR: Get a 0% intro APR for 15 months on balance transfers and convenience checks that post to your account within 90 days of account opening. You can apply for a USAA credit card either online or over the phone at (800) 531-8722. The USAA Cashback Rewards Plus American Express Card might work best for those spending on gas, grocery and military base purchases. She has a passion for writing and her work has been featured in a number of online publications and media outlets, including MSN, Inc., and more. Balance Transfers Intro APR. How Long Should I Wait to Apply for Another Credit Card? If USAAs other cardholder benefits arent as important to you as earning rewards, other no-fee cards earn 2% cash back on all purchases and offer a sign-up bonus. Good news! Is this card worth it? What we love about this card The USAA Rewards card gives 2,500 points when you make your first purchase, in addition to its superior tiered categories. Once you've . What we love about this card This credit card can earn you up to $150 back on gas and military base purchases each year, and up to another $60 back a year on groceries, all with no annual fee. Related reading: Are you paying enough attention to your credit cards APR? ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. USAA, in operation since 1922, carries a full slate of banking and insurance services, ranging from auto and home insurance to investing and credit cards. All financial products, shopping products and services are presented without warranty. The information for the USAA cards has been collected independently by The Points Guy. Advertiser Disclosure: The card offers that appear on this site are from companies from which www.Gettingacreditcard.com receives compensation. MORE: 0% APR and waived fees: Credit card benefits for active-duty military. read full answer A dedicated team of CreditCards.com editors oversees the automated content production process from ideation to publication. 9800 Fredericksburg Rd. Call the USAACredit Card and Banking Department at 1.800.531.8722. 10750 McDermott Freeway . Compensation, along with hours of in-depth editorial research, determines where & how companies appear on our site. 1: Main number. Improve earnings, maximize rewards and track progress toward dream trips. . Share. No foreign transaction fee. Service members serving in the U.S. Air Force, Navy, Marines, Army, Coast Guard, National Guard and Reserves. 580 669. For example, if your card offers 1% cash back on a $150 purchase, you could earn $1.50 in cash back. I've been waiting to get my next card which was going to be USAA, and I just got denied. Too many accounts with balances. Rewards rate: 5% cash back on your first $3,000 in combined gas station and military base purchases yearly; 2% cash back on your first $3,000 in grocery purchases yearly; 1% cash back on all other purchases. With tools like CardMatch and in-depth advice from our editors, we present you with digestible information so you can make informed financial decisions. , making the USAA Cashback Rewards Plus American Express Credit Card a solid option for anyone looking to save on commuting costs. Insurance Life insurance, renters insurance, annuities and more are offered through this division. After this time, a variable regular APR will apply. Is this card worth it? All USAA credit cards come with a 3% balance transfer fee of the amount. Average Household Income: $63,375. 2% cash back on your first $3,000 in grocery purchases yearly. Pre-qualified offers are not binding. . By clicking "See my odds" you agree to our Terms of Use (including our Prequalification Terms) and Privacy Policy. Furthermore, there is no annual fee or foreign transaction fee, and convenience checks and . But the cards make up for the lower rewards with high customer satisfaction and travel benefits such as reimbursement for trip cancellation or interruption and coverage for delayed checked bags. However, other rewards credit cards may have more point-earning potential, especially since some USAA credit card cards dont offer a sign-up bonus. Your personal information and data are protected with 256-bit encryption. Rewards rate: No rewards are offered on this card. Permitted Use of the Account. Balance Transfers Intro APR. MORE: Best credit cards for active-duty military, USAA Cashback Rewards Plus American Express Credit Card, Preferred Cash Rewards Visa Signature Credit Card, USAA Rewards American Express Credit Card, USAA Rewards Visa Signature Credit Card. on all purchases and offer a sign-up bonus. Sign-up bonus: Earn 2,500 bonus points after your first qualifying purchase. OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105. You may only use the Account for personal, family, or household purposes. USAA Credit Card Agreement Arbitration Addendum. USAA Cashback Rewards Plus American Express Card. However, sometimes thats not the case, and applicants are forced to wait for further communication from the credit card company. N/A. Fair to Good. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free. Widows, widowers and un-remarried former spouses of USAA members who had USAA auto or property insurance while married and individuals whose parents have or had USAA auto or property insurance. You stand a good chance of obtaining these cards if you apply for them, but examine the card terms and features carefully preapproval offers aren't necessarily going to be the . It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege. Get a 0% intro APR for 15 months on Balance Transfers and Convenience Checks that post to your account within 90 days of account opening. From industry experts to data analysts and, of course, credit card users, were well-positioned to give you the best advice and up-to-date information about the credit card universe. Earn points on purchases - and even more on gas and dining. Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers. Credit score is one of the many factors lenders review in considering your application. Related reading: Best credit cards for extended warranties. When you click on the " Apply Now " button you can review the credit card terms and conditions on the credit card issuer's web site. The benefits provided by the USAA cards are solid, especially considering none of the cards charge an annual fee. These terms allow CreditCards.com to use your consumer report information, including credit score, for internal business purposes, such as improving the website experience and to market other products and services to you. Plus, this card doesn't require an annual fee to use. 1 0. Content published under this author byline is generated using automation technology. Officer candidates in commissioning programs (Academy, ROTC, OCS/OTS). A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. Card Rating is based on the opinion of TPGs editors and is not influenced by the card issuer. See note9 You can set up alerts for your account. The USAA Rewards Visa Signature earns 2X points on gas station and dining purchases, and 1X on all other purchases. Standard messaging rates may apply. $189 CLEAR Credit: Use your Card and get up to $189 back per year on your CLEAR membership. one of many types of credit scores lenders may use when considering your credit card application. Closing or Suspending the Account . If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. With the USAA Rewards Visa Signature Card, every dollar spent on dining and gas expenses earns you two points, and every other qualified transaction earns you one point. The benefits center may be able to provide medical and legal referrals, prescription assistance, travel planning and other services. Restrictions apply and are subject to change. Get a 0% intro APR for 15 months on balance transfers and convenience checks that post to your account within 90 days of account opening. Related reading: TPG Lounge poll: Whats the toughest credit card concierge request youve made? The concierge service associated with USAA credit cards can assist when youre making restaurant, hotel, entertainment or travel plans. However, credit score alone does not guarantee or imply approval for any credit card product. Plus, theres a modest sign-up bonus. With no annual fee, the USAA Rate Advantage Visa Platinum Card may not have rewards, but is designed to minimize interest payments. Why this is the best for low APR rates: This card offers the lowest APR rates available on currently available USAA credit cards. USAA Rate Advantage Visa Platinum Card: Best feature: Low minimum APR. Your USAA credit card approval odds are high if you have excellent credit, enough income to pay your credit card bill, and relatively little debt. 1. The difference between credit card fraud and identity theft, 5 steps to take when your personal information is compromised, The best secured credit cards for building or repairing credit, pay your statement balance in full each month, Why you should get (and keep) a no-annual-fee credit card, some issuers waive annual fees for active-duty military, Why the Amex Platinum card is best for active-duty military, The best Chase Sapphire Reserve benefits for active-duty military. Check out the best credit card offers for military members to find offers available for you through CreditCards.com. * Widows, widowers and former spouses of USAA members who have or had a USAA auto or property insurance policy. Most lenders base approval on your credit score. If youre looking for simplicity and want a USAA credit card, the Preferred Cash Rewards Visa Signature Card is the one for you. However, it comes with several extra benefits. *All information about USAA Credit Cards has been collected independently by CreditCards.com and has not been reviewed by the issuer. For further information about automated content on CreditCards.com, email Lance Davis, VP of Content, at lance.davis@bankrate.com. Your credit cards journey is officially underway. EDITORIAL DISCLOSURE All reviews are prepared by CreditCards.com staff. After this time, a variable regular APR will apply. 1. Youre covered for up to $1,500 per covered person for nonrefundable prepaid passenger fare when you buy at least part of your fare with your card or its associated rewards and your travel is interrupted or canceled due to a covered reason. N/A N/A. In most cases, your credit score will determine whether you will be approved for a credit card. What we love about this card If youre looking for a no frills cash back card with a competitive 1.5% back on all purchases, this card is a good option. Enter your USAA number or social security number and follow the prompts to speak to a representative. USAA means United Services Automobile Association and its insurance, banking, and other companies (opens in new window). (Credit inquiry made by USAA resulting from an application for credit): Date of Inquiry: / / . If youve submitted a USAACredit Cardapplication and want to check on the current status, you can do so two ways: by phone or by signing into your USAA account online. However if you want to apply for a third card all you have to do is contact USAA and they will take your app / ask a few questions and approve you over the phone for your 3rd or even 4th card. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners. Typically you have to pay a high annual fee for a premium travel rewards card to get perks like that. USAA Credit Cards are no longer available through CreditCards.com. Here is a list of our partners. NerdWallet strives to keep its information accurate and up to date. USAA members can apply for these cards after signing into their account. Which card is best for you depends on what type of rewards you want to earn, what spending categories you use most frequently, whether you need a low APR and whether you want to give up some rewards in exchange for supporting a charity of your choice. Related reading: Which credit cards cover baggage delays? Bad to Fair. LoginAsk is here to help you access Usaa Credit Card Sign In quickly and handle each specific case you encounter. If you are a USAA member, you know it offers competitive pricing for many of its financial services. For example, the no-annual-fee Citi Double Cash Card earns 2% cash back on all purchases -- divided into 1% cash back when you buy and 1% cash back as you pay -- compared to the USAA Preferred Cash Rewards Visa Signature Cards 1.5% cash back on all purchases. There is an offer on this card. But if youre taking an international trip, a Visa card will be more widely accepted than one on the American Express payment network. When evaluating offers, please review the financial institutions Terms and Conditions. USAA currently offers seven credit cards, each with no annual fee and useful travel, shopping and identity theft benefits. If you recently applied for a USAA Credit Card and were not automatically approved, you can find out more about your application status by contacting USAA via phone or by visiting and logging into the USAA website. Whats covered by credit card travel accident and emergency evacuation insurance? 529 Education Plans. If you spend $3,000 in combined gas station and military base purchases each year, youll earn $150 cash back on this spending alone. Check here before booking an award fare. Regular APR. We offer secure logons for your credit card account, whether you're on the USAA Mobile App or usaa.com. Add to that a no-interest promotion for balance transfers and you have a card whose main purpose is to lower the cost of credit card debt. Related reading: Whats covered by credit card travel accident and emergency evacuation insurance? earned with the account to any other cardholder with a USAA Rewards credit . Just because you werent immediately approved for your USAA credit card doesnt mean you were automatically denied. Today, the credit card application process is increasingly efficient, and consumers can frequently apply for a credit card and receive instant notification of approval or denial. USAA currently only offers seven credit cards to its members, so I included all seven cards in this guide. Higher Scores mean lower payments and better deals. Balance transfer amount. Opinions expressed here are the authors alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. You can also request a credit limit increase online if you have a USAA Rewards, Cash Rewards, Cashback Rewards, Rate Advantage or military affiliate credit card. Is this card worth it?