Chip Lupo, Credit Card Writer
You can only get pre-approved for a USAA credit card if you have received a pre-approved offer via mail. At the moment, there’s no way to check for pre-approval online.
What you should know before applying for a USAA credit card:
Even though USAA does not offer a pre-approval tool online, there are a few ways to gauge your approval odds before applying. First, make sure you’re actually eligible for USAA membership. In particular, you must be a member of the U.S. military, or an eligible family member of someone who has served in the armed forces.
If you’re eligible for USAA membership, you can move on to figuring out which card is the best fit. Fortunately, there are USAA credit cards are available to people of all credit levels, from bad to excellent. So, you should find an offer that will approve you.
Here’s what to do instead of USAA credit card pre-approval:
- Check your credit score: You can check your latest credit score for free on WalletHub. Your score will give you a good sense of which offers you’re likely to qualify for. Most USAA credit cards require good credit or better. If you have bad credit, USAA’s secured credit cards are your only options.
- Use an online tool:There are tools that match you with a card, based on your credit score as well as your expected monthly spending and payments. Getting a match isn’t the same thing as being approved, though. You can get a recommendation using WalletHub’s free CardAdvisor tool, which considers offers from other major issuers.
- Call customer service: USAA members may call (800) 531-8722, enter their member ID number, and ask to speak to a credit card specialist. You can ask the specialist for advice about which USAA card would be the best fit for you. They won’t be able to give you definitive answers, but they can point you in the right direction.
If you aren’t a USAA member yet, you can find out whether you’re eligible and join online.
- Assess your own needs: If you have good or excellent credit and plan to pay your bill in full every month, focus on USAA’s rewards credit cards. If not, consider an offer with a 0% introductory APR, either on new purchases or balance transfers.
There’s no way to check for USAA credit card pre-approval. But if you’re eligible for USAA membership, you should be able to find a card that will approve you.
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