Bogdan Roberts, Credit Cards Moderator
@bogdan_roberts
You can get several unsecured credit cards from USAA. The best USAA unsecured credit card is the USAA® Rewards™ American Express® Card. You’ll earn 2,500 points with your first purchase, and 3 points / $1 spent on dining. Another good USAA unsecured credit card is the USAA® Cashback Rewards Plus American Express® Card, which earns 5% cash back on your first $3,000 spent on military base purchases and at gas stations. USAA unsecured credit cards do not charge annual fees or foreign transaction fees.
USAA credit cards are designed specifically for active and retired military servicemembers and their families. You’re also eligible to apply for a USAA unsecured credit card if you’re a former spouse (who hasn’t remarried), widow, or widower of a USAA member.
Here are the USAA unsecured credit cards:
- USAA® Rewards™ American Express® Card: 2,500 points with your first purchase. 3 points / $1 spent on dining; 2 points / $1 on gas and grocery purchases; 1 point / $1 on all other purchases. $0 annual fee. 0% foreign transaction fee. Requires good credit or better.
- USAA® Cashback Rewards Plus American Express® Card: 5%, on the first $3,000 in combined yearly gas station and military base purchases. $0 annual fee. 0% foreign transaction fee. Requires good credit or better.
- USAA® Rewards™ Visa Signature® Card: 2,500 points with your first purchase. 2 points / $1 spent on gas and dining purchases; 1 point / $1 spent on all other purchases. $0 annual fee. 0% foreign transaction fee. Requires good credit or better.
- USAA® Preferred Cash Rewards Visa Signature® Card: 1.5% cash back on all purchases. $0 annual fee. 0% foreign transaction fee. Requires good credit or better.
- USAA® Rate Advantage Visa Platinum® Card: 6.9% - 23.9% (V) regular APR, based on creditworthiness. $0 annual fee. 0% foreign transaction fee. Requires good credit or better.
USAA unsecured credit cards offer a 4% APR for qualified active duty servicemembers. This is instead of the 6% rate required by the Servicemembers Civil Relief Act (SCRA). The 4% APR includes charges made on a USAA credit card prior to active duty. You must be on active duty for 30 days before you request the 4% APR, and submit your request within one year of completing active duty.
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