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)
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.
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.
USAA credit card pre-approval isn’t something you can initiate, unfortunately. There’s no way to check which, if any, USAA credit card you pre-qualify for. You can only sit back and wait to receive a pre-approved USAA credit card offer in the mail, which may not come, or go ahead and submit a full application.… read full answer
But before you get ahead of yourself, there are a few ways to get a feel for your approval odds without pre-approval. And it starts with making 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.
Assuming you clear that first hurdle, you can move on to figuring out which offer 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, the only site with free daily updates. 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. And if you have bad credit, USAA’s secured credit cards are your only options.
Take the USAA quiz: USAA’s tool matches 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 similar recommendation using WalletHub’s free CardAdvisor tool, which considers offers from other major issuers, too.
Call customer service: USAA members can call 210-531-8722, 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.
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.… read full answer
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