How does the USAA credit card purchase protection work?

USAA does not offer purchase protection on its credit cards, though this doesn’t make them much different from many other card issuers. At this point, only 5 of the 10 largest credit card issuers still offer purchase protection on at least one of their credit cards.

Although USAA credit cards don’t have purchase protection, applying for one could still make a lot of sense in the right situation – particularly if the rates, rewards, fees and approval requirements match up well with your financial profile.

If you’re set on finding a good credit card with purchase protection, consider checking out the Chase Sapphire Reserve. This credit card has purchase protection coverage, according to the most recent WalletHub purchase protection study.

USAA has different types of credit cards for different types of needs and credit ranges. Only the high-end ones include purchase protection, namely the Visa Signature ones. Basically, if an item you purchase with your card is stolen or damaged within the first 90 days, purchase security can replace, repair or reimburse the item. Keep in mind that if your item is stolen, you must file a police report within 48 hours of becoming aware of the theft. To file a claim, call 1-888-221-3289.