Maria Adams, Credit Cards Moderator
@m_adams
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).
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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What is the best USAA credit card for bad credit?
USAA does not offer any credit cards for bad credit (a credit score below 640). All USAA credit cards require good credit for approval, which means a credit score of at least 700.
There are, however, credit cards for bad credit available from other issuers that are quite easy to get. Using one of those cards responsibly may eventually help you qualify for a USAA credit card.
read full answerWhat is the easiest USAA credit card to get?
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.
USAA Credit Card Requirements for Approval
- USAA® Rate Advantage Visa Platinum® Card: requires excellent credit or better...
What are the best credit cards for a 550 credit score?
One of the best credit cards for a 550 credit score is the OpenSky® Secured Visa® Credit Card. There’s no credit check when you apply, so approval is almost guaranteed. You just need $200 for a refundable security deposit and enough income to make monthly payments. This card also reports to all three major credit bureaus (Equifax, Experian, and TransUnion) every month, which is your ticket to a better credit score. And a $35 annual fee isn’t too much to pay for that.
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