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.
Nah, no foreign transaction fees. They've joined Cap One in that respect.
There is no USAA credit card foreign transaction fee. In the past, some USAA credit cards charged a 1% foreign transaction fee on some of its cards, but USAA made all of its cards no foreign fee in 2016. That means you’ll never pay extra for purchases processed by a foreign-based merchant.
USAA credit cards are designed for U.S. military personnel and their spouses and adult children. The decision to discontinue foreign transaction fees was made to reduce the costs for servicemembers making purchases abroad.
Here is some additional information on USAA credit card foreign transaction fees:
Military servicemembers and their families stationed abroad are the biggest beneficiaries of no foreign transaction fees on USAA credit cards. Even at the previous 1% rate, all those additional fees tacked on to everyday purchases begin to add up over time.But USAA isn’t the only credit card company to not charge foreign transaction fees on any cards – they’re joined by Discover and Capital One.
Two good USAA credit cards for international travel are the Rewards American Express and the Cashback Rewards Plus American Express. With the Rewards American Express, earn 2,500 points after your first purchase. You’ll also get 3 points per $1 on dining and 2 per $1 on gas and groceries. Along with a $150 bonus for spending $500 in the first 90 days, the Cashback Rewards Plus gives you 5% cash back on your first $3,000 in gas and military base purchases per year and 2% back up to $3,000 at supermarkets each year.
A USAA credit card cash advance will cost you at least 3% of the amount withdrawn up to a maximum of $200, not including interest. That goes for all USAA credit cards. The 3% cost also doesn’t include any fees charged by either the owner of the ATM or the bank where you withdrew the funds. Plus, a USAA credit card’s cash advance APR could be as high as 27.4%, depending on your creditworthiness, and interest starts accruing immediately.
It’s important to familiarize yourself with USAA’s terms and conditions regarding cash advances and how the process itself works. After all, cash advances are expensive and could wind up costing you even more than the original amount withdrawn at the end of the day.
Here is what you should know about USAA cash advances:
Avoiding cash advance fees is difficult. USAA charges the 3% cash advance fee for “cash equivalent transactions.” Cash equivalents are items that could easily be converted to cash such as money orders, reloadable gift cards, wire transfers, and traveler's checks.
Don’t forget that to make a cash advance in the first place, you’ll have to call USAA at 1-800-225-2009 or log in to your online account and request a PIN. You’ll need the PIN to use your card at ATMs. But you shouldn’t take out cash advances often. Try to use them for emergencies only. If you do make one, paying off your cash advance as soon as you can will reduce the overall cost.
I think Military Affiliate has the better rates. Most of them have 0% intro period though, so I guess it also depends on your credit score.
The best USAA credit cards for balance transfers are the USAA Military Affiliate Card and Marine Corps Association Credit Card. Both offer 0% introductory interest rates, a low balance transfer fee (3%) and cash back rewards.
When you transfer a balance to a credit card, you are shifting your existing debt from one credit account to a new credit card, presumably at a lower interest rate. Some credit cards from other issuers offer an introductory 0% interest rate for a specified timeframe, around 6-18 months, when you open an account.
USAA’s minimum amount for balance transfers on all of its credit cards is $10.00, with a maximum limit of 95% of your available credit limit. USAA does not allow you to transfer balances between USAA credit cards. All of the best USAA credit cards for balance transfers also require at least “good” credit, which means a credit score of 700+.
Here are the best USAA credit cards for balance transfers:
All of these cards offers 2,500 bonus points after your first purchase, plus 2 points per $1 spent on gas and grocery purchases, and 1 point per $1 on all other purchases. USAA Bank will make a contribution to the organization associated with your card when you open an account, make eligible purchases and keep the account active. Each of these cards require at least good credit for approval.
USAA credit card rental car insurance covers physical damage and theft up to $50,000 per claim. You’re only covered if you file your claim within 60 days of the incident. But here are instances, like driving non-general passenger vehicles, that are not covered. And certain conditions, such as reckless driving, would void your coverage.
Basically, there are plenty of things you should know about your coverage before you sign a rental agreement.
Here’s how USAA credit card rental car insurance works:
Review your credit card’s insurance policy and familiarize yourself with what is and isn’t covered before you rent a vehicle. Contact your card’s customer service department to clarify anything not clear to you in the Guide to Benefits. Don’t assume you’re covered for every mishap when you pay for a car rental with a credit card that offers rental car insurance, as many exceptions and exclusions may apply.
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.