USES

Secured American Express® from USAA Bank Review

Secured American Express® from USAA Bank — all information about the credit card.

Updated December 05, 2023
Advertiser Disclosure Our Methodology
USAA Bank Secured American Express®
Apply now
Our Rating:
2.92 out of 5
scorer
Recommended credit score
No Credit History to Fair (0-669)
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    None
  • Regular APR:
    28.15% Variable
  • Balance Transfer APR:
    28.15% Variable
Show more

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All benefits

  • Travel
    • Auto Rental Coverage:
    • Rental car insurance protects you against the cost of damages that may occur when renting a vehicle.
    • Travel Accident Insurance:
    • Travel accident insurance is a specialized type of travel insurance plan. Essentially, it acts as life insurance and insurance against accidental death and dismemberment in the case of a travel accident.
    • Trip Cancellation and Interruption Coverage:
    • Trip Cancellation Insurance will reimburse you for the amount of pre-paid, non-refundable travel expenses (e.g. airline, cruise, train, hotel, etc.).
    • Baggage Delay and Reimbursement:
    • Baggage Delay provides reimbursement for the purchase of clothing, toiletries, and other essential items if a traveler's luggage is delayed for a specified period of time.

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 28.15% Variable
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • 28.15% Variable
  • APR for Cash Advances
    • 28.15% Variable
  • How to Avoid Paying Interest
    • Your due date is at least 25 days after the close of each billing cycle. You will not be charged interest on Purchases if you pay your entire balance by the due date each month.

Fees

  • Annual Fee
    • $0
  • Fees for Balance Transfer
    • 3% of the amount of each Balance Transfer
  • Fees for Cash Advances
    • 3% of the amount of each Cash Advance
  • Penalty Fees
    • None
  • Return Payment
    • Up to $35
  • Late Payment
    • Up to $35
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
  • No Foreign Transaction Fee
Cons:
  • High APR

Features

Classic
American Express
Contactless
  • No Annual Fee
  • No foreign transaction fees
  • Payment Flexibility
  • Baggage Delay Insurance
  • Trip Cancellation
  • Auto Rental Insurance
  • Poor Credit
  • Fair Credit

About the issuer

USAA Bank
USAA Bank has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

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    Cash Back on payments made to your First Progress Secured credit card account.
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See Another Credit Cards in the Bank

USAA Bank Secured American Express® is an option for those, who need Classic features. With an APR of 28.15% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have No Credit History to Fair (0-669) credit score. With USAA Bank Secured American Express® you will get such features as No Annual Fee, No foreign transaction fees, Payment Flexibility, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

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