The short answer is you can't. They just send out offers to potentially eligible people, and unfortunately there's no way you can trigger that.
There's not much you can do on your end, if you get the letter in the mail, that would be your big chance.
Not really a lot of them anyway, but I'd say Cashback rewards plus is better than preferred cash rewards.
The best USAA cash back credit card is the USAA Cashback Rewards Plus American Express Card because it offers 5% cash back on up to $3,000 spent per year at gas stations and on military bases. It also gives 2% cash back on the first $3,000 spent at supermarkets each year, along with unlimited 1% cash back on everything else. The Cashback Rewards Plus Amex Card has a $0 annual fee and requires good credit for approval.
For people who’d prefer to earn cash back rewards at one flat rate on all purchases, the best USAA cash back card is the Preferred Cash Rewards Visa Signature Card. It offers 1.5% cash back on everything. Plus, as a Visa card, it will be accepted by more merchants than an Amex card. The Preferred Cash Rewards Visa Signature Card also has a $0 and requires good credit.
Those are the only two USAA cash back credit cards on the market right now. And the choice really comes down to your spending habits.
Here are the USAA cash back credit cards:
The real question is whether the best USAA credit card for cash back is actually the best cash rewards card overall. There are a lot of great offers out there from other issuers. They’re at least worth a look. For example, Citi Double Cash offers 2% cash back on all purchases with a $0*.
For big spenders, Amex Blue Cash Preferred offers 6% cash back on the first $6,000 spent per year at supermarkets, unlimited 3% back at gas stations and 1% everywhere else. It has a $95 annual fee.
Easiest way is to just call them, at 210-531-8722.
You can activate a USAA Credit Card online or over the phone: 210-531-8722. You just need your username and password to do so online or your card’s expiration date and security code for over-the-phone activation. Either way, it should only take a minute or two. And if you choose to activate online, you can do so before your card arrives (7-10 business days after approval). However, you won’t be able to make purchases until you have the physical card.
Just so you know exactly what to expect, we’ll recap what you need to do with each activation method below.
Here’s how to activate a USAA credit card:
The main difference between the two ways to activate a USAA credit card is how long you have to wait for activation. With the online method, you can activate your card as soon as you want, although you’ll still need your physical card to make purchases. Using the phone, you’ll have to wait until your physical credit card arrives to activate it.
You should start by checking your credit score. It will give you a good sense of which offers you’re likely to qualify for. Most USAA credit cards require good credit or better. And if you have bad credit, USAA’s secured credit cards are your only options.
Second, you can call customer service: USAA members can call 210-531-8722, enter their member ID number, and ask to speak to a credit card specialist. You can ask the specialist for advice about which USAA card would be the best fit for you.
Not necessarily. You can also apply for the card if you are a family member of a veteran or a military member.
The minimum credit score required for the USAA Preferred Cash Rewards Visa Signature credit card is 700. Such a score doesn’t guarantee you approval, though, as various other factors are taken into account. But if you’d like to see where you stand, and thus get a rough sense for your odds of approval, you can check your credit score for free on WalletHub: https://wallethub.com/join/ . You’ll get daily updates to your score and full credit report as well as 24/7 credit monitoring. Hope this helps!
The card’s credit limit is based on your creditworthiness. The bank will disclose the credit limit after your application is approved. Please visit the following link to apply online: https://www.usaa.com/inet/pages/bank_cc_usaa_rewards_visa?adid=CJ_creditcardapp35.
You can give your reward points to someone else by calling USAA’s Rewards Service Center at 1-800-980-USAA (8722). Keep in mind that you must be able to provide certain identifying information about the cardholder to whom you wish to transfer the points. Alternatively, you could just redeem the cash and pass her the bucks. Hope this helps! Please let us know if you have any difficulties.
Depending on the nature of the issue, you could call USAA customer service (800-531-8722) or submit a complaint to the Consumer Financial Protection Bureau ( http://www.consumerfinance.gov/complaint/ ). If it’s a complaint about innacurate information on your credit report, you can find more information about the steps to take here: http://wallethub.com/edu/credit-report-dispute/25501/ . Hope this helps. Please let us know if there is anything else we can do.
Yes, a fair credit score is acceptable for the USAA Rate Advantage Platinum Visa® credit card.