Is it hard to get a credit card from USAA? This question is about USAA Credit Cards

Yes, it is hard to get a USAA credit card because all USAA credit cards require at least good credit for approval. Unless your credit score is 700 or higher and you have a lot of income, it will be difficult for you to get approved for a USAA credit card. Minimum Credit Score for Notable USAA Credit Cards USAA® Rewards™ Visa Signature® Card : good credit USAA® Rate Advantage Visa Platinum® Card : excellent credit USAA® Cashback Rewards Plus American Express® Card : excellent credit USAA® Rewards™ American Express® Card : excellent credit Keep in mind that while the credit score requirement is the main thing that makes a USAA credit card hard to get, there are other requirements you will have to meet to get approved. As with all credit cards, you’ll need to have a steady income that’s big enough to handle the card’s credit limit, and you must be at least 18 years old. You’ll also need to have an SSN. Finally, it’s important to note that even if you exceed all of the requirements to get a USAA credit card, you’re never guaranteed to get approved, though your odds are good.

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Is it hard to get a credit card from USAA?

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This question is about USAA Credit Cards

Maria Adams, Credit Cards Moderator

@m_adams • 10/14/21 This answer was first published on 10/14/21. 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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Yes, it is hard to get a USAA credit card because all USAA credit cards require at least good credit for approval. Unless your credit score is 700 or higher and you have a lot of income, it will be difficult for you to get approved for a USAA credit card.

Minimum Credit Score for Notable USAA Credit Cards

USAA® Rewards™ Visa Signature® Card: good credit
USAA® Rate Advantage Visa Platinum® Card: excellent credit
USAA® Cashback Rewards Plus American Express® Card: excellent credit
USAA® Rewards™ American Express® Card: excellent credit

Keep in mind that while the credit score requirement is the main thing that makes a USAA credit card hard to get, there are other requirements you will have to meet to get approved. As with all credit cards, you’ll need to have a steady income that’s big enough to handle the card’s credit limit, and you must be at least 18 years old. You’ll also need to have an SSN.

Finally, it’s important to note that even if you exceed all of the requirements to get a USAA credit card, you’re never guaranteed to get approved, though your odds are good.

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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 are the USAA credit score requirements?

The USAA credit score requirement is 750 for all cards, which means that people with excellent credit or better have high approval odds.

If your credit score is below the threshold needed for a credit card from USAA, it’s best to wait to apply until you meet the credit score requirement. You can … read full answer check your credit score for free on WalletHub.

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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Does USAA automatically increase credit limits?

USAA will automatically increase the credit limit for eligible credit card accounts based on periodic account reviews that typically begin six months after an account is opened. Automatic credit limit increases are done at USAA's discretion, and there's no guarantee when one will occur.

How to Get an Automatic Credit Limit Increase From USAA… read full answer

You don't have to do anything for USAA to review your account for an automatic increase. However, taking the following steps will boost the odds of getting USAA to automatically increase your credit limit:

Pay the bill on time for at least the first six months that you have the card.

Keep your credit utilization below 30%.

Update your account profile if your income has gone up since you applied for the card.

How a USAA Automatic Credit Limit Increase Affects Your Credit Score

A USAA automatic credit limit increase requires a soft pull of your credit, which does not affect your credit score.

USAA may offer you the option to decline the automatic credit limit increase amount and request a higher increase. If you decline and ask for a higher amount, USAA will conduct a hard pull on your credit report, but they cannot do so without your permission.

A hard pull may lead to a slight decrease in your credit score, but your score should bounce back after a few consecutive months of timely payments. You can keep track of your progress with free daily credit score updates from WalletHub.

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