You can fill out a USAA credit card application online. To apply for any USAA credit card, you’ll first need to sign up for a USAA membership on their website, which means you’ll need to meet the USAA eligibility requirements.
Once you have established your membership, you can apply for a USAA credit card just like you would any other credit card. To submit your application, you will need to provide personal information, such as your full name, non-P.O. Box mailing address, Social Security number, and other information.
After you submit your USAA credit card application, allow up to 7 business days for a decision. However, many people will be approved or denied instantly. To check on the status of your USAA application, call (800) 531-8722 and ask to speak to a credit card specialist.
You can get a USAA credit card by applying online. Remember that you have to be an active duty service member or you'll need to connect yourself to someone in your family that has some form of military service.
You’ll get additional military benefits not provided by other credit cards and maybe optimize your travel costs with some of their cards.
The USAA credit card requirements differ based on what card you want to apply for. So, for instance, their USAA Secured Visa Platinum card is accessible to people with bad credit. But they don't graduate and you have to reapply for another card when your credit improves. Their USAA® Rewards American Express card is only available to applicants with good credit, so a score of 700+ is required. They pull Equifax credit data and if you are denied they may give a counter offer.… read full answer
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.… read full answer
The best USAA cash back credit card is the USAA® Cashback Rewards Plus American Express® Card because it offers 5% cash back on up to $3,000 spent per year at gas stations and on military bases. It also gives 2% cash back on the first $3,000 spent at supermarkets each year, along with unlimited 1% cash back on everything else. The USAA® Cashback Rewards Plus American Express® Card has a $0 annual fee and requires good credit for approval. … read full answer
For people who’d prefer to earn cash back rewards at one flat rate on all purchases, the best USAA cash back card is the USAA® Preferred Cash Rewards Visa Signature® Card. It offers 1.5% cash back on everything. Plus, as a Visa card, it will be accepted by more merchants than an Amex card. The USAA® Preferred Cash Rewards Visa Signature® Card also has a $0 annual fee and requires good credit.
Those are the only two USAA cash back credit cards on the market right now. And the choice really comes down to your spending habits.
The real question is whether the best USAA credit card for cash back is actually the best cash rewards card overall. There are a lot of great offers out there from other issuers, and they’re at least worth a look.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by a WalletHub user.
Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.