Your USAA credit card approval odds are high if you have excellent credit, enough income to pay your credit card bill, and relatively little debt. You’ll also have high approval odds if you receive a pre-approved offer in the mail. Applicants will also need to be 18+ years old with a U.S. mailing address, a USAA membership, and a Social Security Number to get approved.
It’s worth noting that USAA membership is only available to members of the U.S. military and their family members. So, before you get excited about USAA credit cards, make sure you qualify for USAA membership.
Here’s how you can gauge your USAA credit card approval odds:
If you’re already a USAA customer, you can check if you’re pre-approved for a USAA credit card by using the “My Offers” tab from your online account. All the offers listed there would be pre-approved, which means that USAA has selected you as a good fit for each offer based on your credit profile.
With that said, pre-approval does not guarantee you’ll get the card. However, there’s about a 90% chance you will be approved if you apply for such an offer.
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