Bogdan Roberts, Credit Cards Moderator
@bogdan_roberts
The best unsecured credit card from USAA is the USAA Preferred Cash Rewards Credit Card because it has great rewards. You can earn 1.5% cash back on purchases and an initial bonus of $250 after spending $1,000 within 90 days.
Another good unsecured USAA credit card is the USAA Eagle Navigator® Credit Card. This card offers 2 - 3 points per $1 on purchases and an initial bonus of 30,000 points after spending $3,000 on purchases within 90 days. USAA’s unsecured credit cards do not charge annual fees or foreign transaction fees.
Best USAA Unsecured Credit Cards
Initial Bonus: 30,000 points after spending $3,000 on purchases within 90 days
Ongoing Rewards: 3 points per $1 on travel purchases (tolls, rideshares, hotels, vacation rentals, flights and more) and 2 points per $1 on everyday purchases (groceries, gas, dining, bills and more)
Transfer Intro APR: Not Offered
Regular APR: 18.40% - 26.65% variable
Balance Transfer Fee: 5%
Annual Fee: $95
Credit Score: Good
Initial Bonus: $250 after spending $1,000 within 90 days
Ongoing Rewards: 1.5% cash back on purchases
Transfer Intro APR: Not Offered
Regular APR: 15.40% - 27.40% variable
Balance Transfer Fee: 5%
Annual Fee: $0
Credit Score: Good
Initial Bonus: $200 after spending $1,000 on qualifying purchases within the first 90 days
Ongoing Rewards: 5% cash back at military bases (up to $5,000 spent per year) and gas stations (up to $3,000 spent per year), 3% cash back on groceries (up to $3,000 spent per year), and 1% cash back on all other purchases
Transfer Intro APR: 0% until January 2028
Regular APR: 15.4% - 27.4% (V)
Balance Transfer Fee: 5%
Annual Fee: $0
Credit Score: Good
Initial Bonus: N/A
Ongoing Rewards: 2 points per $1 spent on gas and dining, and 1 point per $1 spent on all other purchases
Transfer Intro APR: Not Offered
Regular APR: 13.40% - 27.40% (V)
Balance Transfer Fee: 5%
Annual Fee: $0
Credit Score: Good
It is worth noting that USAA credit cards are designed specifically for active and retired military servicemembers and their immediate 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.
People also ask
What is the easiest USAA credit card to get?
The easiest USAA credit cards to get are the USAA® Secured American Express® Card and the USAA® Secured Visa Platinum® Card, since both are available to people with bad credit. Because they’re secured cards, they also require a deposit of at least $250 that serves as your credit limit.
Credit Requirements for USAA Credit Cards
| Credit Card | Minimum Credit Score Required |
| bad | |
| bad |
What credit score is needed for an unsecured credit card?
You need a credit score between 550 and 750 to be approved for most unsecured credit cards. Having a score of at least 550 will likely qualify you for a decent unsecured card, but a higher credit score increases your chances of being approved for one of the best credit cards with no security deposit.
Easiest Unsecured Credit Cards to Get
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What to Do if Your Credit Score is Below 550
... read full answer by Chip Lupo, Credit Card WriterDoes USAA give high credit limits?
It is reportedly possible to get a credit limit of up to $50,000 on certain USAA credit cards, but USAA does not list minimum credit limits in its credit card terms and conditions. You won’t know how much your credit limit will be until after you’re approved for an account. Applicants with high incomes and excellent credit will generally get the highest USAA credit limits.
While you may have only a slight indication of...
read full answer by Roberta Fernandez, MemberDid we answer your question?
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