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.
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.
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
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 answeronline.
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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