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® Cashback Rewards Plus American Express® Card

USAA® Cashback Rewards Plus American Express® Card
Excellent-Good
BestCards refers to a variation of FICO Score 9, 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. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
American Express Processing Network
None Annual Fee

USAA® Cashback Rewards Plus American Express® Card

  • 16.9% to 30.9% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 16.9% to 30.9% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 16.9% to 30.9% variable based on creditworthiness and the Prime Rate Cash Advance APR

At a Glance

The USAA® Cashback Rewards Plus American Express® Card helps cardholders who spend regularly on gas and groceries earn cash back, and offers special features for military members. They can also enjoy no foreign transaction fees, no annual fee, and no penalty APR.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 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
  • Regular Purchase APR: 16.9% to 30.9% 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: 16.9% to 30.9% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: 3% of the amount of each transfer
  • Cash Advance APR: 16.9% to 30.9% 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
  • You’re in the U.S. military or are related to someone in the U.S. military
  • You want cash back on regular purchases such as gas and groceries
  • You want no annual fee
  • You want no foreign transaction fees

USAA® Preferred Cash Rewards Visa Signature® Card

USAA® Preferred Cash Rewards Visa Signature® Card
Excellent-Good
BestCards refers to a variation of FICO Score 9, 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. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Visa Processing Network
None Annual Fee

USAA® Preferred Cash Rewards Visa Signature® Card

  • 16.9% to 30.9% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 16.9% to 30.9% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 16.9% to 30.9% variable based on creditworthiness and the Prime Rate Cash Advance APR

At a Glance

The USAA® Preferred Cash Rewards Visa Signature® Card helps cardholders earn unlimited 1.5% cash back on purchases. They can also enjoy no foreign transaction fees, no annual fee, and no penalty APR.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 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 stole
  • Regular Purchase APR: 16.9% to 30.9% 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: 16.9% to 30.9% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: 3% of the amount of each transfer
  • Cash Advance APR: 16.9% to 30.9% 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
  • You’re in the U.S. military or are related to someone in the U.S. military
  • You want unlimited cash back on all purchases
  • You want no annual fee
  • You want no foreign transaction fees

USAA Rewards™ American Express® Card

USAA Rewards™ American Express® Card
Excellent-Good
BestCards refers to a variation of FICO Score 9, 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. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
American Express Processing Network
None Annual Fee

USAA Rewards™ American Express® Card

  • 14.9% to 30.9% variable based on creditworthiness Regular Purchase APR
  • 14.9% to 30.9% variable based on creditworthiness Balance Transfer APR
  • 14.9% to 30.9% variable based on creditworthiness Cash Advance APR

At a Glance

The USAA Rewards™ American Express® Card is designed to reward cardholders who use it for everyday things such as gas, groceries, and dining out. Once enough rewards points are earned they can be redeemed for cruises, airline tickets, gift cards, or cash.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 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.
  • Regular Purchase APR: 14.9% to 30.9% variable based on creditworthiness
  • Intro Balance Transfer APR: 0% Introductory APR through your 02/01/2024 billing cycle
  • Balance Transfer APR: 14.9% to 30.9% variable based on creditworthiness
  • Balance Transfer Transaction Fee: 3% of the amount of each transfer
  • Cash Advance APR: 14.9% to 30.9% 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
  • You’re in the U.S. military or are related to someone in the U.S. military
  • You frequently dine out or spend money on gas
  • You want a card with no annual fee
  • You want no foreign transaction fees

USAA® Rewards™ Visa Signature® Card

USAA® Rewards™ Visa Signature® Card
Excellent-Good
BestCards refers to a variation of FICO Score 9, 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. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Visa Processing Network
None Annual Fee

USAA® Rewards™ Visa Signature® Card

  • 14.9% to 30.9% variable based on creditworthiness Regular Purchase APR
  • 14.9% to 30.9% variable based on creditworthiness Balance Transfer APR
  • 14.9% to 30.9% variable based on creditworthiness Cash Advance APR

At a Glance

The USAA® Rewards™ Visa Signature® Card is the ideal rewards credit card for anyone looking to receive rewards points based on their gas and dining purchases. These rewards points can eventually be redeemed for great perks, such as plane tickets, cruises, cash, or gift cards.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 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 stole
  • Regular Purchase APR: 14.9% to 30.9% variable based on creditworthiness
  • Intro Balance Transfer APR: 0% Introductory APR through your 02/01/2024 billing cycle
  • Balance Transfer APR: 14.9% to 30.9% variable based on creditworthiness
  • Balance Transfer Transaction Fee: 3% of the amount of each transfer
  • Cash Advance APR: 14.9% to 30.9% 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
  • You’re in the U.S. military or are related to someone in the U.S. military
  • You frequently dine out or spend money on gas
  • You don’t want to pay an annual fee
  • You do’t want to pay foreign transaction fees when you use you card abroad

USAA Rate Advantage Visa Platinum® Card

USAA Rate Advantage Visa Platinum® Card
Excellent-Good
BestCards refers to a variation of FICO Score 9, 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. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Visa Processing Network
None Annual Fee

USAA Rate Advantage Visa Platinum® Card

  • 11.90% to 28.90% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 11.90% to 28.90% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 11.90% to 28.90% variable based on creditworthiness and the Prime Rate Cash Advance APR

At a Glance

The USAA Rate Advantage Visa Platinum® Card offers cardholders low rates on purchases, balance transfers, and cash advances. They can also take advantage of no foreign transaction fees, no annual fee, and no penalty APR. USAA is a credit union geared not only towards memerbs of the U.S. armed forces, but also to their families – making the USAA Rate Advantage Visa Platinum® a great basic rewards card for a wide-ranging group of individuals.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 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
  • Regular Purchase APR: 11.90% to 28.90% 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: 11.90% to 28.90% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: 3% of the amount of each transfer
  • Cash Advance APR: 11.90% to 28.90% 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
  • You’re in the U.S. military or are related to someone in the U.S. military
  • You want low rates for purchases, balance transfers, or cash advances
  • You want no annual fee
  • You want no foreign transaction fees

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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We have over 900 credit card reviews covering issuers, both large and small. Check out our reviews, learn with our great credit card news and advice resources, including tips to build your credit score quickly. Browse our reviews, learn from our industry experts, and find your best card today!

Editorial Disclosure – The opinions expressed on BestCards.com's reviews, articles, and all other content on or relating to the website are solely those of the content’s author(s). These opinions do not reflect those of any card issuer or financial institution, and editorial content on our site has not been reviewed or approved by these entities unless noted otherwise. Further, BestCards.com lists credit card offers that are frequently updated with information believed to be accurate to the best of our team's knowledge. However, please review the information provided directly by the credit card issuer or related financial institution for full details.

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BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.