What is the easiest USAA credit card to get? This question is about USAA Credit Cards

All USAA credit cards require good credit or better for approval, so they are all equally easy (or hard) to get. That doesn’t necessarily make USAA credit cards easy for anyone to get, though, because the average credit score is right on the edge of good credit. USAA does not currently issue any credit cards for people with less-than-good credit. USAA Credit Card Requirements for Approval USAA® Rate Advantage Visa Platinum® Card : requires excellent credit or better USAA® Cashback Rewards Plus American Express® Card : requires excellent credit or better USAA® Rewards™ American Express® Card : requires excellent credit or better USAA® Rewards™ Visa Signature® Card : requires good credit or better USAA® Preferred Cash Rewards Visa Signature® Card : requires excellent credit or better

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What is the easiest USAA credit card to get?

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This question is about USAA Credit Cards

Chip Lupo, Credit Card Writer

@CLoop • 06/23/21 This answer was first published on 06/23/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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All USAA credit cards require good credit or better for approval, so they are all equally easy (or hard) to get. That doesn’t necessarily make USAA credit cards easy for anyone to get, though, because the average credit score is right on the edge of good credit. USAA does not currently issue any credit cards for people with less-than-good credit.

USAA Credit Card Requirements for Approval

USAA® Rate Advantage Visa Platinum® Card: requires excellent credit or better
USAA® Cashback Rewards Plus American Express® Card: requires excellent credit or better
USAA® Rewards™ American Express® Card: requires excellent credit or better
USAA® Rewards™ Visa Signature® Card: requires good credit or better
USAA® Preferred Cash Rewards Visa Signature® Card: requires excellent credit or better

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USAA Credit Score Requirements by Card

USAA® Rewards™ American Express® Card: 750 (Excellent credit)

USAA® Preferred Cash Rewards Visa Signature® Card: 750 (Excellent credit)

USAA® Rewards™ Visa Signature® Card: 700 (Good credit)

USAA® Cashback Rewards Plus American Express® Card: 750 (Excellent credit)

USAA® Rate Advantage Visa Platinum® Card: 750 (Excellent credit)

You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for a USAA credit card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.

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What is the best USAA credit card for bad credit?

USAA does not offer any credit cards for bad credit (a credit score below 640). All USAA credit cards require good credit for approval, which means a credit score of at least 700.

There are, however, credit cards for bad credit available from other issuers that are quite easy to get. Using one of those cards responsibly may eventually help you qualify for a USAA credit card.… read full answer

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What's the average USAA credit limit?

The average USAA credit limit is $1,000 for secured cards and $3,000-$5,000 for unsecured cards.

USAA also offers a maximum credit limit of $50,000 across all of its cards.

If you're not satisfied with your credit limit, or your credit utilization is too high, you can request an increase for most of the USAA credit cards (except the Classic or Secured ones) … read full answer online.

Keep in mind, though, that requesting an increase can result in a hard pull on your credit report.

But you can avoid that, because USAA also increases credit limits every 12 months automatically, if you're eligible. You have the best chance for an automatic increase if you always pay your balance in full and on time.

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