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® 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 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.
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.
No, you cannot get a USAA credit card with no credit. You will need at least a good credit score to get approved for your own USAA credit card account, in most cases, though people with lower scores or no credit history can still be added to an account as an … read full answerauthorized user.
Being an authorized user on a USAA credit card can help you improve your credit score to the point where you can qualify for your own account. Alternatively, you might want to apply for a card from a bank or credit union that does offer credit cards for people with no credit.
Either way, you can sign up for a free WalletHub account in order to get personalized recommendations for credit cards with high approval odds, as well as free access to your latest credit score and report.
Individuals eligible for USAA membership include active, retired, and honorably separated members of the U.S. military; cadets and midshipmen at U.S. service academies; and their eligible family members. Children (including step-children), spouses, widows/widowers, and former spouses who have not remarried are all considered eligible. For children to be eligible, the parent must join USAA while living.… read full answer
Once someone becomes a USAA member, eligibility then extends to their family members (even if those family members aren’t in the military). For instance, if the child of someone who was a USAA member also joins USAA, that person’s spouse and kids are then eligible for membership as well. It can continue passing down that way. Eligibility does not extend to siblings or parents.
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