Chip Lupo, Credit Card Writer
@CLoop
USAA credit cards generally require a credit score of 700 or higher (at least good credit) and enough income to afford the monthly bill payments. You also need an SSN and a valid U.S. address, and you need to be at least 18 years old to qualify.
Minimum USAA Credit Card Requirements
- Enough income to make the monthly minimum card payment
- Bad credit accepted (500+ credit score) for certain cards
- 18+ years old
- Social Security number
- Employment information
- Physical U.S. address (no P.O. boxes)
If you apply for a USAA card, make sure you enter all the required information completely and accurately. Knowingly reporting false or misleading information on a credit card application is a federal crime. Similarly, keep in mind that the above requirements are guidelines and approval is never guaranteed.
If you don't know whether your credit score qualifies you for a USAA credit card, you can check it for free on WalletHub. It's also worth checking out our editor's guide on how to improve your credit score.
People also ask
What are the USAA credit score requirements?
The USAA credit score requirement is 700 or higher for the best USAA credit card offers, though other options are available for people with lower scores. It is possible to get approved for a credit card from USAA with limited credit history or a bad credit score, for example.
Credit Score Recommended by USAA Card
- USAA® Rewards™ American Express® Card: 750 (Excellent credit)
- USAA Preferred Cash Rewards Credit Card: 700 (Good credit)
- USAA® Rewards™ Visa Signature® Card: 700 (Good credit)
- USAA® Cashback Rewards Plus American Express® Card: 700...
Does USAA have pre-approval?
USAA sends pre-approved card offers to potential applicants via mail or e-mail, and existing customers may receive pre-approval for a new card through their online account. To respond to a USAA pre-approved offer, visit the website listed in your offer and enter the enclosed invitation code. This allows USAA to flag the application as pre-approved.
USAA pre-approval doesn’t guarantee that you’ll be approved for a card, but it does indicate that your chances of...
read full answer by Chip Lupo, Credit Card WriterWhat is the easiest USAA credit card to get?
The easiest USAA credit cards to get are the USAA® Secured American Express® Card and the USAA® Secured Visa Platinum® Card, since both are available to people with bad credit. Because they’re secured cards, they also require a deposit of at least $250 that serves as your credit limit.
Credit Requirements for USAA Credit Cards
| Credit Card | Minimum Credit Score Required |
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