| Credit Card | Best For | Annual Fee | Credit Score Required |
| USAA Eagle Navigator® Credit Card | Overall | $95 | Good |
| USAA Preferred Cash Rewards Credit Card | Cash Rewards | $0 | Good |
| USAA® Cashback Rewards Plus American Express® Card | Balance Transfers | $0 | Good |
| USAA® Secured American Express® Card | Bad Credit | $0 | Bad |
Methodology
To identify the best USAA credit cards, WalletHub’s editors routinely compare all of the Amex business credit card offers from our database of 1,500+ cards based on key WalletHub Rating components. We begin by estimating how much each USAA card is likely to save the average cardholder, based on spending data from the Bureau of Labor Statistics and assuming cardholders pay their monthly bills in full in order to avoid interest. This makes it easy to select the best USAA credit card in popular categories such as cash back and dining rewards.
We also evaluate USAA credit cards with 0% introductory APRs to see which offers figure to save cardholders the most on financing.
WalletHub’s Key Rating Components
Two-Year Cost: 38% – We measure long-term value by comparing each card’s annual fee with the rewards a typical cardholder can earn over two years. This allows us to account for initial and ongoing benefits and costs.
Rewards: 29% – We assess each card’s reward-earning rates, bonus categories, redemption options, and expected cardholder earnings.
Editor’s Rating: 12% – Our editors compare each card to similar offerings, both from USAA and other credit card companies, to determine how competitive its features really are.
Fees: 11% – We review all associated costs, including annual fees and foreign transaction fees. Cards with low or easily offset fees score higher.
User Reviews: 7% – Cardholder feedback is key. We consider satisfaction with rewards, ease of account management, customer service, and how well the card meets members’ day-to-day spending needs.
Other Features: 3% – We highlight additional benefits that enhance value for USAA members, including travel protections, extended warranties, purchase security, and partner promotions.
We also include cards that are suitable for people working to pay off debt and those with below-average credit. The scoring differs slightly for those cards.
How Two-Year Cost Is Calculated
Two-year cost is used to calculate the monetary value of cards for better comparison and is calculated by combining annual and monthly membership fees over two years, adding any one-time fees or other fees (like balance transfer fees), adding any interest costs, and subtracting rewards. Negative amounts indicate savings. When fees or other terms are presented as a range, we use the midpoint for scoring purposes.
Rewards bonuses and credits have been taken into account for two-year cost calculations. However, bonuses applicable to only a very small portion of cardholders are not considered. For example, credits and bonuses awarded for spending or redeeming rewards through a company portal with non-co-branded cards have not been taken into account. Similarly, bonuses and credits related to spending with specific merchants using a non-co-branded card have not been taken into account (for example, if Card A offers credits with DoorDash, this feature would not be factored into calculations because it is hard to assess how many cardholders would use the benefit or exactly how much value they'd get from it).
Cardholder Spending Profiles
Given that different users have different goals and are likely to use their credit cards differently, we identified spending profiles that are representative of different users’ financial priorities and behaviors. For each cardholder type, we have assumed a specific amount of monthly spending by purchase type (e.g., groceries, gas, etc.), as well as an average balance, balance transfer amount, amount spent on large purchases and average monthly payment. Spending assumptions are based on PEX data.
