How do I check my USAA credit card balance?

A USAA credit balance refund is a reimbursement for paying more than the total balance owed on a USAA credit card. For example, a cardholder who has a balance of $300, but pays $400, can get a credit balance refund of the $100 that they overpaid.

Cardholders can request a USAA credit balance refund by phone (… read full answer1-210-531-8722) or by sending a written request to

USAA
9800 Fredericksburg Rd.
San Antonio, TX 78288

USAA cardholders can get a credit balance refund in the form of a check.

Please note that you are not required to request a credit balance refund if you overpay your USAA credit card. If you have a negative balance on your account, meaning you've paid more than you owe, future purchases will be credited until the balance is back to zero. If you maintain a negative credit balance for six months, USAA is required to offer you a refund.

The minimum payment for USAA credit cards is $15 plus any past due amount, 1% of the statement balance plus any interest and fees, or your overlimit amount – whichever is higher. If the statement balance is less than $15, the USAA minimum payment will be equal to the balance. In addition, if you recently missed a payment, USAA may add a late fee to your minimum payment.… read full answer

The USAA minimum payment is the smallest amount you’re obligated to pay by the due date for your USAA account to be in good standing. Failure to pay by the due date may result in a late fee. Your credit score will also take a hit if you miss multiple minimum payments.

The easiest way you can pay your USAA credit card is either online or through the mobile app. Alternatively, you can make a credit card payment over the phone at (800) 531-8722 or by mail or at a branch. USAA allows cardholders to set up automatic payments, too.

Ways to Make a USAA Credit Card Payment… read full answer

• Online: Log in to your online account and click on “Pay Bills.” Then, choose how much to pay, when to pay it, and where the payment is coming from.
• Through the mobile app: Log in to your account and select your card, then tap “Pay Bills.”
• Over the phone: Call (800) 531-8722 and enter your card information when prompted.
• By mail: Send a check or money order (but not cash) to:
  USAA Credit Card Payments
  10750 McDermott Fwy
  San Antonio, TX 78288-0570
• At a branch: You can make a payment at any USAA branch during normal business hours.

If you choose to make a payment via mail, make sure to always send it at least 5-7 days before the due date. Write your credit card number on the check, too.