What are my USAA credit card approval odds? This question is about USAA Credit Cards

What are my USAA credit card approval odds?

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This question is about USAA Credit Cards

Frankie Solomon, WalletHub Analyst

@frankie.solo • 07/22/22 This answer was first published on 07/09/20 and it was last updated on 07/22/22.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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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.

Answer Question

What are the USAA credit score requirements?

The USAA credit score requirement is 750 for most cards. This means that people with excellent credit have a decent shot at getting some of the best USAA credit card offers. USAA also offers a credit card for people with good credit (a credit score of 700), plus two other cards for people with bad credit (a credit score of 300).... read full answer

To see which USAA credit card you qualify for, make sure to check your credit score before applying.

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)

USAA® Secured American Express® Card: 300+ (Bad credit)

USAA® Secured Visa Platinum® Card: 300+ (Bad 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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Is it hard to get a credit card from USAA?

No, it isn’t very hard to get a USAA credit card because USAA offers cards even for people with bad credit. One of the easiest credit cards to get from USAA is the USAA® Secured Visa Platinum® Card. This card has a $0 annual fee and it is a good option for people that want to ... read full answer build credit. Depending on your credit score, though, you may be able to qualify for other USAA credit cards, too.

Minimum Credit Score for Notable USAA Credit Cards

USAA® Secured Visa Platinum® Card: Good credit

USAA® Secured American Express® Card: Good credit

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 credt 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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What are the USAA credit card requirements?

The main USAA credit card requirements are that an applicant must be at least 18 years old with a valid Social Security number. Applicants must also meet specific residency, income, and credit requirements. Some requirements may vary depending on the card.

USAA Credit Card Requirements

18+ years old
Physical U.S. address (no P.O. boxes)... read full answer

Proof of enough income to make the monthly minimum card payment

Good credit or better

Social Security number

If you apply for a USAA card, it’s important that you enter all required information completely and accurately. Knowingly reporting false or misleading information on a credit card application is a federal crime.

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