What unsecured credit cards can I get from USAA?

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

USAA Credit Card Requirements for Approval

• USAA® Rate Advantage Visa Platinum® Card: requires excellent credit or better
• USAA® Cashback Rewards Plus American Express® Card: requires excellent credit or better
• USAA® Rewards™ American Express® Card: requires excellent credit or better
• USAA® Rewards™ Visa Signature® Card: requires good credit or better
• USAA® Preferred Cash Rewards Visa Signature® Card: requires excellent credit or better

For most unsecured credit cards you will need a credit score of 550-650, though it’s possible to get approved for an unsecured card with a lower score or even no credit score. For example, some of the best beginner and student cards are unsecured and will approve applicants with little or no credit.… read full answer

If your credit score is below the 550 to 650 threshold needed to get a good unsecured card, you’d be much better off applying for a secured card such as the Discover it® Secured Credit Card or the Capital One Platinum Secured Credit Card. They’re easier to get than unsecured cards because you’re putting up your own money, typically a minimum deposit of $200, to secure the account.

For people with bad credit who are set on getting an unsecured card, two of the best options are the Credit One Bank® Platinum Visa® for Rebuilding Credit (cash back on select purchases) and the Indigo® Mastercard® for Less than Perfect Credit (no upfront fees). Remember, unsecured credit cards for bad credit do not require a security deposit to open an account. As such, they typically come with low credit limits, high fees and high interest rates.

The average USAA credit limit is $1,000 for secured cards and $3,000-$5,000 for unsecured cards.

USAA also offers a maximum credit limit of $50,000 across all of its cards.

If you're not satisfied with your credit limit, or your credit utilization is too high, you can request an increase for most of the USAA credit cards (except the Classic or Secured ones) … read full answeronline.

Keep in mind, though, that requesting an increase can result in a hard pull on your credit report.

But you can avoid that, because USAA also increases credit limits every 12 months automatically, if you're eligible. You have the best chance for an automatic increase if you always pay your balance in full and on time.