You can activate a USAA Credit Card online or over the phone: 210-531-8722. You just need your username and password to do so online or your card’s expiration date and security code for over-the-phone activation. Either way, it should only take a minute or two. And if you choose to activate online, you can do so before your card arrives (7-10 business days after approval). However, you won’t be able to make purchases until you have the physical card.
Just so you know exactly what to expect, we’ll recap what you need to do with each activation method below.
Activate by Phone: To activate your USAA credit card by phone, call customer service at 201-531-8722. When the automated menu asks what you’d like to do, say, “activate my credit card.” You will then need to provide either your new credit card’s account number or your USAA membership number, plus your card’s expiration date and security code. Unlike the online option, you must have your card in front of you to activate by phone.
The main difference between the two ways to activate a USAA credit card is how long you have to wait for activation. With the online method, you can activate your card as soon as you want, although you’ll still need your physical card to make purchases. Using the phone, you’ll have to wait until your physical credit card arrives to activate it.
Easiest way is to just call them, at 210-531-8722.
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