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USAA Bank Credit Cards

We found 7 USAA Bank credit cards. Read on to get more insights.

USAA Bank
4.51
By Hanna Volkava
Updated November 01, 2024
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USAA Bank Rewards™ American Express®

USAA Rewards™ American Express®
Annual fee:
$0
Regular APR:
15.15% - 31.15% Variable
Our Rating:
4.4
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3x Points on dining out.
    • 2x Points on gas and groceries.
    • 1x Points on all other Qualifying Purchases.
  • Intro Offer:
    • 2,500x Bonus points after your first Qualifying Purchase.
  • Balance Transfer APR:
    15.15% - 31.15% Variable
  • Issuer name:
    USAA Bank
  • Details:

    The USAA Bank Rewards™ American Express® Credit Card earns 2,500 bonus points after your first Qualifying Purchase. The Card offers 3x points on dining out, 2x points on gas and groceries and 1x points on all other Qualifying Purchases.

    The USAA Bank Rewards™ American Express® Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 15 months on Balance Transfers and Convenience Checks that post to your account within 90 days of account opening. After that, the variable APR is 15.15% - 31.15%.

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
    • Intro APR period on balance transfers
  • Cons:
    • No Intro APR period on purchases
  • Benefits:
    • 2,500 bonus points after your first Qualifying Purchase;
    • 3x points on dining out;
    • 2x points on gas and groceries;
    • 1x points on all other Qualifying Purchases;
    • Zero Liability Protection;
    • Auto Rental Coverage;
    • Trip Cancellation and Interruption Coverage;
    • Travel Accident Insurance.
View all Rewards™ American Express® details
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Card detail

USAA Bank Preferred Cash Rewards Visa® Signature

USAA Preferred Cash Rewards Visa Signature®
Annual fee:
$0
Regular APR:
17.15% - 31.15% Variable
Our Rating:
3.86
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.5% Cash Back on all qualifying purchases.
  • Purchase Intro APR:
    0% Intro APR for 15 months on purchases
  • Balance Transfer APR:
    17.15% - 31.15% Variable
  • Issuer name:
    USAA Bank
  • Details:

    The USAA Preferred Cash Rewards Visa Signature® Credit Card earns 1.5% Cash Back on all qualifying purchases.

    The USAA Preferred Cash Rewards Visa Signature® doesn't charge an annual fee.

    The Card has a 0% introductory APR period on purchases. After that, the variable APR is 17.15% - 31.15%.

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
    • Intro APR period on purchases
  • Cons:
    • No Intro APR period on balance transfers
  • Benefits:
    • 1.5% Cash Back on all qualifying purchases;
    • No category restrictions;
    • Auto Rental Coverage;
    • Travel Accident Insurance;
    • Trip Cancellation and Interruption Coverage;
    • Baggage Delay and Reimbursement;
    • Zero liability policy.
View all Preferred Cash Rewards Visa® Signature details
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Card detail

USAA Bank Cashback Rewards Plus American Express®

USAA Bank Cashback Rewards Plus American Express®
Annual fee:
$0
Regular APR:
17.15% - 31.15% Variable
Our Rating:
5
scorer
Credit score
Good to Excellent (670-799)
  • 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 Qualifying Purchases.
  • Balance Transfer APR:
    17.15% - 31.15% Variable
  • Issuer name:
    USAA Bank
  • Details:

    The USAA Bank Cashback Rewards Plus American Express® Credit Card earns 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 and 1% Cash Back on all your other card purchases.

    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. After this time, the Variable Regular APR of 17.15% to 31.15% will apply to these introductory balances. There is a fee of 3% of the amount of each Balance Transfer and Convenience Check from account opening.

  • Pros:
    • No Annual Fee
    • Intro APR period on balance transfers
    • No Foreign Transaction Fee
  • Cons:
    • No Intro APR period on purchases
    • No welcome bonus
  • Benefits:
    • 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 your other card purchases;
    • Zero Liability for unauthorized transactions;
    • Auto Rental Coverage;
    • Travel Accident Insurance;
    • Trip Cancellation and Interruption Coverage;
    • Baggage Delay and Reimbursement.
View all Cashback Rewards Plus American Express® details
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Card detail

USAA Bank Rewards™ Visa Signature®

USAA Bank Rewards™ Visa Signature®
Annual fee:
$0
Regular APR:
15.15% - 31.15% Variable
Our Rating:
4.1
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 2x Points on gas and dining out.
    • 1x Points on all other Qualifying Purchases.
  • Intro Offer:
    • 2,500x Bonus points after your first Qualifying Purchase.
  • Balance Transfer APR:
    15.15% - 31.15% Variable
  • Issuer name:
    USAA Bank
  • Details:

    The USAA Bank Rewards™ Visa Signature® Credit Card earns 2,500 bonus points after your first Qualifying Purchase. The Card offers 2x points on gas and dining out and 1x points on all other Qualifying Purchases.

    The Rewards™ Visa Signature® doesn't charge an annual fee. Get a 0% intro APR for 15 months on balance transfers within 90 days of account opening. After this time, the Variable APR of 15.15% to 31.15% will apply to these introductory balances.

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • No Intro APR period on purchases
  • Benefits:
    • 2,500 bonus points after your first Qualifying Purchase;
    • 2x points on gas and dining out;
    • 1x points on all other Qualifying Purchases;
    • Auto Rental Coverage;
    • Travel Accident Insurance;
    • Trip Cancellation and Interruption Coverage;
    • Baggage Delay and Reimbursement.
View all Rewards™ Visa Signature® details
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Card detail

USAA Bank Rate Advantage Visa Platinum®

USAA Bank Rate Advantage Visa Platinum®
Annual fee:
$0
Regular APR:
12.15% - 29.15% Variable
Our Rating:
3.11
scorer
Credit score
Good to Excellent (670-799)
  • Balance Transfer APR:
    12.15% - 29.15% Variable
  • Issuer name:
    USAA Bank
  • Details:

    The USAA Bank Rate Advantage Visa Platinum® Credit Card offers a 0% intro APR period for 15 months on Balance Transfers and Convenience Checks that post to your account within 90 days of account opening. After this time, the Variable APR of 12.15% to 29.15% will apply to these introductory balances.

    The Rate Advantage Visa Platinum® doesn't charge an annual fee.

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • No Intro APR period on purchases
  • Benefits:
    • Zero Liability for unauthorized transactions;
    • Auto Rental Coverage;
    • Travel Accident Insurance;
    • Trip Cancellation and Interruption Coverage;
    • Baggage Delay and Reimbursement.
View all Rate Advantage Visa Platinum® details
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Card detail

USAA Bank Secured American Express®

USAA Bank Secured American Express®
Annual fee:
$0
Regular APR:
28.15% Variable
Our Rating:
2.92
scorer
Credit score
No Credit History to Fair (0-669)
  • Balance Transfer APR:
    28.15% Variable
  • Issuer name:
    USAA Bank
  • Details:

    The USAA Bank Secured American Express® Credit Card is good for rebuilding or establishing credit.

    If approved for this credit card, you'll need to transfer money into a refundable security deposit from a USAA Bank checking or savings account.

    The Card doesn't charge an annual fee. The APR for purchases and balance transfers is 28.15% Variable.

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • High APR
  • Benefits:
    • Determine your own credit limit ($250 to $5,000);
    • Credit card activity reported to three main credit bureaus;
    • Auto Rental Coverage;
    • Travel Accident Insurance;
    • Trip Cancellation and Interruption Coverage;
    • Baggage Delay and Reimbursement.
View all Secured American Express® details
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Card detail

USAA Bank Secured Visa® Platinum

USAA Bank Secured Visa® Platinum
Annual fee:
$0
Regular APR:
28.15% Variable
Our Rating:
2.74
scorer
Credit score
No Credit History to Fair (0-669)
  • Balance Transfer APR:
    28.15% Variable
  • Issuer name:
    USAA Bank
  • Details:

    The USAA Bank Secured Visa® Platinum Credit Card is a good variant for rebuilding or establishing credit.

    The Card doesn't charge an annual fee. The APR for purchases and balance transfers is 28.15% Variable.

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • High APR
  • Benefits:
    • Determine your own credit limit ($250 to $5,000);
    • Credit card activity reported to three main credit bureaus;
    • Auto Rental Coverage;
    • Travel Accident Insurance;
    • Trip Cancellation and Interruption Coverage;
    • Baggage Delay and Reimbursement.
View all Secured Visa® Platinum details
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Card detail

How to Choose the Right USAA Bank Credit Card?

Choosing the best credit card from a specific credit card company is quite difficult. Considering USAA Bank, there are three steps that will make your decision process easier.

First of all, you are to figure out your current credit score. It varies from "Poor” to “Excellent”, and the higher your credit is, the better USAA Bank options of credit cards are available to you.

Secondly, you should identify why you want a USAA Bank credit card and determine the most crucial features your future credit card must have. If you want a credit card to increase your credit, look for those with extended grace period and no annual fee. If you want to not spend money on interest, USAA Bank credit cards with the smallest interest and long intro offer are your best choice. In case you need a credit card with cash, points, or miles rewards, check the rewards program offered by USAA Bank.

Finally, compare the USAA Bank credit cards you find the best for you, but now looking at all the features. Overall, an ideal credit card fits the following characteristics: low interest rate, low fees, high credit limit, the finance charge calculations include one billing cycle only, and generous rewards and sign-up bonuses. You can easily compare USAA Bank credit cards in the table below.

Side-by-Side Comparison of USAA Bank Credit Cards

Card Name APR Annual fee Rewards Intro offer
Rewards™ American Express® 15.15% - 31.15% Variable $0
  • 3x Points on dining out.
  • 2x Points on gas and groceries.
  • 1x Points on all other Qualifying Purchases.
  • 2,500x Bonus points after your first Qualifying Purchase.
    • Preferred Cash Rewards Visa® Signature 17.15% - 31.15% Variable $0
  • 1.5% Cash Back on all qualifying purchases.
  • No current offer.
    • Cashback Rewards Plus American Express® 17.15% - 31.15% Variable $0
  • 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 Qualifying Purchases.
  • No current offer.
    • Rewards™ Visa Signature® 15.15% - 31.15% Variable $0
  • 2x Points on gas and dining out.
  • 1x Points on all other Qualifying Purchases.
  • 2,500x Bonus points after your first Qualifying Purchase.
    • Rate Advantage Visa Platinum® 12.15% - 29.15% Variable $0
  • This card doesn't offer cash back, miles or points.
  • No current offer.

    • Conclusion

    USAA Bank has a wide range of credit cards with different options, yet it’s important to find the best one for you.

    Hanna VolkavaHanna Volkava

    Financial and product expert

    hv@myfin.us

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