Maria Adams, Credit Cards Moderator
@m_adams
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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