USAA offers seven unsecured credit cards. The best USAA unsecured credit card is the Rewards American Express Card. You’ll earn a 2,500 bonus points with your first purchase, and 3 points per $1 spent on dining. Another good USAA unsecured credit card is the Cashback Rewards Plus American Express card, which earns 5% cash back per $1 spent up to $3,000 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 an adult child, widow, or widower of a USAA member.
Here are the USAA unsecured credit cards:
USAA Rewards American Express: 2,500 bonus points with your first purchase. 3 points per $1 spent on dining; 2 points on gas and grocery purchases; 1 point on all other purchases.
Cashback Rewards Plus American Express: 5% cash back per $1 spent, up to $3,000, at commissaries, exchanges, gas stations, and other on base purchases.
USAA Rewards Visa Signature: 2,500 bonus points with your first purchase. 2 points per $1 spent on gas and dining purchases; 1 point on all other purchases.
USAA Preferred Cash Rewards: 1.5% cash back on all purchases.
USAA Rate Advantage Visa Platinum: 8.65% - 25.65% (V), based on creditworthiness.
USAA Military Affiliate Visa Signature Card: 2,500 bonus points with your first purchase. 1 point per $1 spent on all purchases.
USAA Military Affiliate American Express Card: 2,500 bonus points with your first purchase. 2 points per $1 spent on gas and grocery purchases, 1 point on all other purchases.
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 365 days of completing active duty.
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