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 after 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.
Here are the USAA unsecured credit cards:
USAA® Rewards™ American Express® Card offers 2,500 points after your first purchase. You can earn 3 points per $1 spent on dining, 2 points per $1 spent on gas and groceries, and 1 point per $1 spent on all other purchases. Requires excellent credit or better.
With the USAA® Cashback Rewards Plus American Express® Card you can earn 5%, on the first $3,000 in combined yearly gas station and military base purchases. Requires excellent credit or better.
USAA Rewards Visa offers 2,500 points after your first purchase. You can earn 2 points per $1 spent on gas and dining, and 1 point per $1 spent on all other purchases. It has a balance transfers Intro APR of 0% for 15 months. The regular APR is 10.65% - 26.65% (V). The card has a 3% balance transfer fee. Requires good credit or better.
With the USAA® Preferred Cash Rewards Visa Signature® Card you can earn 1.5% cash back on all purchases. Requires excellent credit or better.
USAA® Rate Advantage Visa Platinum® Card has a 7.65% - 24.65% (V) regular APR, based on creditworthiness. It offers . Requires excellent credit or better.
It is worth noting that 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.
In addition, 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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