USAA Federal Savings Bank Credit Cards Reviews

6,898 Reviews

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USAA credit cards reviews are generally positive, with more than three stars out of five for all their card offers. Positive reviews of USAA cards praise their rewards and features, along with their low fees. Negative reviews tend to complain about their customer support and low credit limits.

You can compare highly-rated cards from USAA (a WalletHub partner) below.

USAA Federal Savings Bank Credit Cards

USAA Rate Advantage Credit Card

3.63 out of 5 rating556 Reviews

Apply Now

Rates & Fees

3.63 out of 5 rating556 Reviews

3.2WalletHub Rating

WalletHub Rating

3.2

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Lower Cost of Existing Debt." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

2.0

User Reviews

3.6

Market Comparison

3.3

fees: 5.0

cost: 2.7

APR: 3.8

Purchase Intro APRNot Offered

Transfer Intro APR0% for 15 months|Transfer Fee: 5%

Regular APR10.90% - 24.90% variable

Purchase Intro APR

Not Offered

Transfer Intro APR

0% for 15 months|Transfer Fee: 5%

Regular APR

10.90% - 24.90% variable

annual fee

rewards rate

None

minimum credit

Good

WalletHub's Take: The USAA Rate Advantage Credit Card is a $0 annual fee credit card for people with a close military connection and good credit or better. It can be pretty good for balance transfers, and people with excellent credit could get a low regular APR, but the offer is otherwise unspectacular.

Pros

No annual fee
Low regular APR
No foreign transaction fees

Cons

No ongoing rewards

Additional Info

Must be a USAA® member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
Intro Offer: Get a 0% intro APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening. After this time, the variable regular APR of 10.90% to 24.90% will apply to introductory balances.
A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies. If you transfer a balance or write a convenience check to take advantage of the introductory rate offer, you will immediately incur interest on purchases until you pay your balance in full, including any transferred balances.
No annual fee.
No foreign transaction fees.
10.90% to 24.90% variable regular APR.
See Rates and Fees for details.

Pros, Cons, & Details

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USAA Preferred Cash Rewards Credit Card

3.71 out of 5 rating299 Reviews

Apply Now

Rates & Fees

3.71 out of 5 rating299 Reviews

4.0WalletHub Rating

WalletHub Rating

4.0

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

3.5

User Reviews

3.7

Market Comparison

4.2

fees: 5.0

rewards: 3.4

cost: 4.7

Other Features: 0.0

Purchase Intro APRNot Offered

Transfer Intro APRNot Offered

Regular APR15.90% - 27.90% variable

Purchase Intro APR

Not Offered

Transfer Intro APR

Not Offered

Regular APR

15.90% - 27.90% variable

annual fee

rewards rate

1.5% - 3% Cash Back

minimum credit

Good

WalletHub's Take: Members of the military community who have good credit or better and want simple, yet valuable everyday rewards should consider the USAA Preferred Cash Rewards Credit Card. The USAA Preferred Cash Rewards Credit Card has a $0 annual fee and gives 1.5% cash back on purchases – nearly 30% more than the average cash back credit card. For a limited-time, you can also get 3% cash back in your first year on the first $15,000 in purchases. It also has no foreign transaction fees, which can help whether you travel for military business or pleasure.

Pros

High rewards rate
No annual fee
No foreign transaction fees

Cons

No intro APR on purchases
No intro APR on balance transfers

Rewards Details

Limited Time Offer: Cash back match - earn 3% in your first year on the first $15,000 in purchases. After that, earn unlimited 1.5% cash back on purchases, no category restrictions and no caps.
Cash back rewards never expire.
Redeem cash back your way, on your schedule.

Additional Info

Must be a USAA® member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
Auto Deductible Reimbursement (ADR) up to $200.
No annual fee.
No foreign transaction fees.
A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies.
15.90% to 27.90% variable regular APR.
Terms and Restrictions apply. See the Reward Terms and Conditions and the ADR Benefit Guide on USAA's website for details.
See Rates and Fees for details.

Pros, Cons, & Details

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USAA® Secured American Express® Card

3.65 out of 5 rating2,094 Reviews

3.65 out of 5 rating2,094 Reviews

3.4WalletHub Rating

WalletHub Rating

3.4

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Rebuild Damaged Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

3.0

User Reviews

3.6

Market Comparison

3.4

fees: 5.0

rewards: 0.0

cost: 3.3

Other Features: 3.0

Secured Credit CardMin Deposit of $250

One-Time Fees$0

Regular APR26.90% (V)

Secured Card

Min Deposit of $250

One-Time Fees

Regular APR

26.90% (V)

annual fee

monthly fee

minimum credit

Bad

WalletHub's Take: The USAA® Secured American Express® Card is a good option for rebuilding damaged credit if you’re a USAA member or you’re eligible to join. It has a $0 annual fee and reports to all three major credit bureaus each month, making it easy and inexpensive to add positive information to your credit history. You’ll even earn interest on your security deposit, which is not very common.

Pros

No membership fees
No foreign fee
Qualify with limited or no credit history

Cons

High regular APR
Requires security deposit

Additional Info

Best for members rebuilding or establishing credit.
It's not a debit or prepaid card.
Determine your own credit limit ($250 to $5,000) with a security deposit.
USAA membership is available to active and former military and their eligible family members.
Travel Benefits: Auto Rental Coverage, Travel Accident Insurance, Trip Cancellation and Interruption Coverage, Baggage Delay and Reimbursement.
To apply for the card, an existing checking or savings account with USAA Federal Savings Bank is required and it must have a minimum balance of $250.
Your credit information is reported to the three major credit bureaus. Periodically, your credit history and other factors will be reviewed to determine if you qualify for an upgrade to an unsecured credit card.

Pros, Cons, & Details

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USAA® Secured Visa Platinum® Card

3.65 out of 5 rating728 Reviews

3.65 out of 5 rating728 Reviews

3.4WalletHub Rating

WalletHub Rating

3.4

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Rebuild Damaged Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

3.0

User Reviews

3.6

Market Comparison

3.4

fees: 5.0

rewards: 0.0

cost: 3.3

Other Features: 3.0

Secured Credit CardMin Deposit of $250

One-Time Fees$0

Regular APR26.90% (V)

Secured Card

Min Deposit of $250

One-Time Fees

Regular APR

26.90% (V)

annual fee

monthly fee

minimum credit

Bad

WalletHub's Take

Pros

No membership fees
No foreign fee
Qualify with limited or no credit history

Cons

High regular APR
Requires security deposit

Read our editor's full USAA® Secured Visa Platinum® Card review.

Additional Info

Best for members rebuilding or establishing credit.
It's not a debit or prepaid card.
Determine your own credit limit ($250 to $5,000) with a security deposit.
USAA membership is available to active and former military and their eligible family members.
Travel Benefits: Auto Rental Coverage, Travel Accident Insurance, Trip Cancellation and Interruption Coverage, Baggage Delay and Reimbursement.
Your credit information is reported to the three major credit bureaus. Periodically, your credit history and other factors will be reviewed to determine if you qualify for an upgrade to an unsecured credit card.
Security: You are not liable for unauthorized purchases. Get account balances and transaction history by sending a text message. Access your account on usaa.com or from a mobile device.
To apply for the card, an existing checking or savings account with USAA Federal Savings Bank is required and it must have a minimum balance of $250.

Pros, Cons, & Details

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USAA® Cashback Rewards Plus American Express® Card

3.56 out of 5 rating70 Reviews

3.8WalletHub Rating

WalletHub Rating

3.8

Editor’s Rating

3.0

User Reviews

3.5

Market Comparison

3.9

fees: 5.0

cost: 3.1

APR: 4.6

Purchase Intro APRNot Offered

Transfer Intro APR0% until June 2027|Transfer Fee: 5%

Regular APR15.90% - 27.90% (V)

Purchase Intro APR

Not Offered

Transfer Intro APR

0% until June 2027|Transfer Fee: 5%

Regular APR

15.90% - 27.90% (V)

annual fee

rewards rate

1 - 5% Cash Back

minimum credit

Good

WalletHub's Take: The USAA® Cashback Rewards Plus American Express® Card is a good credit card for military families who plan to either spend modestly or use other cards too. It offers 5% cash back on your first $3,000 in gas and military-base purchases each year – combined. It also gives 2% cash back on the first $3,000 spent annually at supermarkets, along with unlimited 1% cash back on all other purchases.

Pros

No membership fees
0% intro APR on balance transfers
High rewards rate
Bonus rewards categories

Cons

Spending caps on rewards
No initial rewards bonus
No intro APR on purchases
Balance transfer fee

Rewards Details

Earn 5% cash back on your first $3,000 in combined gas station and military base purchases yearly.
Earn 2% on your first $3,000 on grocery purchases per year
Unlimited 1% cash back on all other purchases

Additional Info

USAA membership is available to active and former military and their eligible family members.
Security Benefits: Zero liability coverage for unauthorized transactions if your card is lost or stolen.
Travel Benefits: Auto Rental Coverage, Travel Accident Insurance, Trip Cancellation and Interruption Coverage, Baggage Delay and Reimbursement.
Your Balance Transfer must post to your account by February 28, 2026 for the Introductory APR to apply to the transaction.

Pros, Cons, & Details

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USAA® Rewards™ American Express® Card

3.83 out of 5 rating258 Reviews

3.83 out of 5 rating258 Reviews

3.0WalletHub Rating

WalletHub Rating

3.0

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

3.7

User Reviews

3.8

Market Comparison

2.8

fees: 5.0

rewards: 2.2

cost: 2.7

Other Features: 0.0

Purchase Intro APRNot Offered

Transfer Intro APRNot Offered

Regular APR13.90% - 27.90% (V)

Purchase Intro APR

Not Offered

Transfer Intro APR

Not Offered

Regular APR

13.90% - 27.90% (V)

annual fee

rewards rate

1 - 3 points / $1

minimum credit

Excellent

WalletHub's Take: The USAA® Rewards™ American Express® Card has a $0 annual fee, a 0% foreign transaction fee and solid rewards in everyday spending categories. USAA Rewards Amex cardholders earn 3 points per $1 spent dining out as well as 2 points per $1 spent on gas and groceries, plus 1 point per $1 on everything else. USAA Rewards Amex points are worth a penny apiece on average, which means the card’s earning rates amount to 1% to 3% cash back.

Pros

No membership fees
High rewards rate
Bonus rewards categories
No foreign fee

Cons

No initial rewards bonus
No intro APR on purchases
No intro APR on balance transfers
Requires excellent credit

Rewards Details

Earn 3X points per dollar spent on dining.
Earn 2X points per dollar spent on gas and groceries.
Earn 1X points for every dollar spent on all other purchases.
Redeem points for cash, merchandise, gift cards and more.

Additional Info

USAA membership is available to active and former military and their eligible family members.
Security Benefits: Zero liability coverage for unauthorized transactions if your card is lost or stolen. Collision damage waiver coverage pays for physical damage and theft to most rental vehicles. Get account balances and transaction history by sending a text message. Access your account on usaa.com or from a mobile device.
Travel Benefits: Auto Rental Coverage, Travel Accident Insurance, Trip Cancellation and Interruption Coverage, Baggage Delay and Reimbursement.

Pros, Cons, & Details

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USAA® Rewards™ Visa Signature® Card

3.93 out of 5 rating356 Reviews

3.93 out of 5 rating356 Reviews

3.8WalletHub Rating

WalletHub Rating

3.8

Editor’s Rating

3.3

User Reviews

3.9

Market Comparison

3.9

fees: 5.0

cost: 3.1

APR: 4.6

Purchase Intro APRNot Offered

Transfer Intro APR0% until June 2027|Transfer Fee: 5%

Regular APR13.90% - 27.90% (V)

Purchase Intro APR

Not Offered

Transfer Intro APR

0% until June 2027|Transfer Fee: 5%

Regular APR

13.90% - 27.90% (V)

annual fee

rewards rate

1 - 2 points / $1

minimum credit

Good

WalletHub's Take: The USAA Rewards Visa Signature Card is a pretty good option, worth considering if you’re a USAA member with good credit or better whose top expenses include gas and dining out. This USAA Visa card gives 2 points per $1 spent in those two categories, along with 1 point per $1 on all other purchases. New cardholders also get an initial bonus of N/A simply by making a single purchase.

Pros

No membership fees
0% intro APR on balance transfers
High rewards rate
Bonus rewards categories

Cons

No initial rewards bonus
No intro APR on purchases
Balance transfer fee
Requires good/excellent credit

Rewards Details

Earn 2X points per $1 spent on gas and dining, 1X points for every dollar spent on all other purchases.
Redeem points for cash, merchandise, gift cards and more.

Additional Info

USAA membership is available to active and former military and their eligible family members.
Security Benefits: Zero liability coverage for unauthorized transactions if your card is lost or stolen. Collision damage waiver coverage pays for physical damage and theft to most rental vehicles. Get account balances and transaction history by sending a text message. Access your account on usaa.com or from a mobile device.
Travel Benefits: Auto Rental Coverage, Travel Accident Insurance, Trip Cancellation and Interruption Coverage, Baggage Delay and Reimbursement.
Your Balance Transfer must post to your account by February 28, 2026 for the Introductory APR to apply to the transaction

Pros, Cons, & Details

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USAA® Federal Savings Bank Credit Card Reviews

3.6

What's Your Rating?

mercedes_f1_fan
October 7, 2025 • @mercedes_f1_fan

They have some of the lowest interest rates and will start you off with a higher credit limit... plus, their customer service is top-tier. The only issue I had with USAA is if there is a dispute with a merchant, they will side with the merchant. I had some unauthorized charges from a hotel in London, and USAA wouldn't return my funds.

Product: USAA® Federal Savings Bank Credit Cards

Comment

jasper C knabb
March 24, 2025 • @jayknabb1

Verified Customer

Great card and wonderful bank to work with. If I run into any issues, they clear the problem without any questions. And it's hard to use any card other than theirs when I need to use a credit card.

Product: USAA® Federal Savings Bank Credit Cards

Comment

scott mac
March 5, 2025 • @xdragonjackx

USAA credit cards, I hold two currently. I do not have a high balance, and I keep my credit limit low ($1,000). I have made my payments on time, if not early, and have not been over the credit limit. I recently made a $200 payment to each of the two cards I hold. They placed a maximum hold on the payments and were unable to provide a reason why. They reverted to a policy where USAA reserves the right to do so without reason. I filed a complaint with them, as the very next payment I made to prove a point was $500, and that payment went through right away and was applied, all while the previous $200 payment was still on hold. I asked for the release of the previous payment's hold, and they refused. From what I understand, they are starting to put random holds on credit card accounts without reason and refuse to work with you to release the available credit.

Product: USAA® Federal Savings Bank Credit Cards

Comment

Noel Guthmiller
January 12, 2025 • @noelguthmiller

I had two compromised transactions on my credit card; USAA declined the transactions but never notified me. Calling USAA and trying to get a representative is a nightmare. After asking the automated system to speak to a representative probably 10 times, I was finally connected to one, which was not a rewarding experience either. They did send me a new card with an expiration date three months out. Why not just issue me a card with a new expiration date? They have no provisions for a temporary address, so I have to change my address to receive my new card in three months, then have to change it back when I return to my permanent address. I have several bills automatically charged to my credit card, but I'm going to switch them to my Chase credit card. I just don't need this hassle when I want to talk to a live person. By the way, when FedEx delivered my new card, the driver said he delivers a lot of cards from USAA, so what's going on with USAA these days?

Product: USAA Federal Savings Bank Credit Cards

Comment

kim jordan
August 10, 2025 • @kimbjordan

I was on my fourth debit card in as many months before I was scammed. USAA is not an institution you can trust.

Comment

Marshal Merriam
February 21, 2024 • @mlmerriamspam

USAA has been in my wallet for 40 years. Last year, I called to increase my automatic payment. The automatic payment is many times the minimum payment. USAA has an outdated system that requires them to turn off automatic payments and then restart them. They did this for me while I was on the phone. I asked, and they said not to worry, the current payment would get made. It didn't. They blocked the card while I was traveling and engaged collection services. I paid them and stopped using the card, almost completely. One monthly charge remained, for $300.

Last month, they suddenly decided that my $1,000 automatic payment was too large, so they would only take $15—the minimum. Some bright manager probably figured they could encourage me to carry a balance this way. I called them up, and they confirmed that it wasn't an error. I registered a complaint which they ignored. I switched cards for that last monthly charge and paid the balance manually.

These guys are incompetent. I wouldn't trust them with your banking.

Product: USAA® Rewards™ Visa Signature® Card

Comment

Edward L
February 21, 2024 • @ed143

Verified Customer

USSA credit card sucks. My interest rate started out at 10.1 and was told it wouldn’t go up. Now it’s at 17 percent therefore I closed the credit card and transferred all of my insurance to State Farm. I was surprised to find out that State Farm was Cheaper!

Product: USAA Federal Savings Bank Credit Cards

Comment

Anthony Geremonte
December 16, 2023 • @towtech6804

Verified Customer

Regardless of the negative reviews I've seen on USAA, I'm very happy with USAA and their car insurance, their credit cards, and banking sector. Their score is 10 out of 10. Highly recommend USAA. ??

Product: USAA Federal Savings Bank Credit Cards

Comment

Michael
December 9, 2023 • @cruvant

Verified Customer

I have been well pleased with USAA bank. Their staff is always available and has the answers to my questions whenever I ask. I would also recommend their insurance plans for home and car.

Product: USAA® Cashback Rewards Plus American Express® Card

Comment

NELSON VENEZIA
November 30, 2023 • @nelsonvenice

I had my USAA credit card account hacked and that person made an unauthorized payment to USAA from my Checking account. I have been trying for a month now to get this reversed. Every time I call I have to start all over again with my story until I demand an escalation. I have called 5x and now and each time I'm told their working on and to call back at a later date. Today's call has me calling back on 12/09. I have been a member for 34 years, never missed a payment and this is how I'm being treated. All I want is my money back in my chercking account and USAA is giving me the run around. This company does not have your back. Do not believe their TV commercials. Find another credit card company.

Product: USAA Federal Savings Bank Credit Cards

Comment

Roger
November 22, 2023 • @rhazelwood2001

Verified Customer

I love my USAA card I depends on this card like a baby depends on his mother too feed him she always on time and that a good thing to have.

Product: USAA Federal Savings Bank Credit Cards

Comment

Review USAA Federal Savings Bank Credit Cards Reviews

USAA Federal Savings Bank Credit Cards Q&A

Get answers to your questions about USAA Federal Savings Bank Credit Cards Reviews below. Editorial and user-generated content is not provided, reviewed or endorsed by this issuer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.

Upvotes

How can I talk to USAA customer service?

Chip Lupo, Credit Card Writer

To talk to USAA customer service, call (800) 531-8722 and then enter your USAA number or Social Security number. This process will get you in contact with a live USAA representative who should be able to answer your questions or direct you to the appropriate department.

How to Talk to USAA Customer Service by Phone

Call the USAA customer service department at (800) 531-8722.
Enter your USAA number or Social Security number.
Speak to the live representative.

If you can't or don't want to talk to USAA customer service over the phone, there are a few alternatives.

Upvotes

How can I log in to my USAA account online?

Chip Lupo, Credit Card Writer

To log in to your USAA credit card account, go to the login page on the USAA website or mobile app and enter your username and password in the appropriate fields. Then, click the “Next” to access your online account. If you don't already have an account, you will need to start by clicking “Register For Access” in order to set up a username and password.

How to Log in to a USAA Credit Card Account

...

Upvotes

Does USAA have a student credit card?

Maria Adams, Credit Cards Moderator

No, USAA doesn't have any student credit cards at the moment. This doesn't mean you are out of options, though, as there are several good student credit cards offered by other issuers. A good card to consider is the Capital One Savor Student Cash Rewards Credit Card (see details, rates & fees). This card offers 1 - 8% cash back on purchases and has a $0 annual fee. The card accepts people with no credit.

Here Are Some of the Best Student Credit Cards

Best Overall:
Capital One Savor Student Cash Rewards Credit Card
Intro APRs:
Five Star Bank College Rewards Visa® Credit Card
Cash Rewards:
Capital One Quicksilver Student Cash Rewards Credit Card
Good Credit:
TD Double Up Credit Card

Best Overall:
Capital One Savor Student Cash Rewards Credit Card
Intro APRs:
Five Star Bank College Rewards Visa® Credit Card
Cash Rewards:
Capital One Quicksilver Student Cash Rewards Credit Card
Good Credit:
TD Double Up Credit Card

Whichever student card you choose, use...

Upvotes

Does USAA have pre-approval?

Chip Lupo, Credit Card Writer

USAA sends pre-approved card offers to potential applicants via mail or e-mail, and existing customers may receive pre-approval for a new card through their online account. To respond to a USAA pre-approved offer, visit the website listed in your offer and enter the enclosed invitation code. This allows USAA to flag the application as pre-approved.

USAA pre-approval doesn't guarantee that you'll be approved for a card, but it does indicate that your chances of...

Upvotes

What is the best USAA cash back credit card?

Adam McCann, Financial Writer

The best USAA cash back credit card is the USAA Preferred Cash Rewards Credit Card because it offers 3% cash back on purchases during the first year (up to $15,000 spent), then 1.5% cash back on purchases thereafter and an initial bonus of N/A. The card also has a $0 annual fee and requires good credit for approval.

Best USAA Cash Back Credit Cards

Rates & Fees
USAA Preferred Cash Rewards Credit Card

Ongoing Rewards: 3% cash back on purchases during the first year (up to $15,000 spent), then 1.5% cash back on purchases thereafter

Purchase Intro APR: Not Offered

Transfer Intro APR: Not Offered

Balance Transfer Fee: 5%

Regular APR: 15.90% - 27.90% variable

Annual Fee: $0

Credit Score: Good
USAA® Cashback Rewards Plus American Express® Card

Ongoing Rewards: 5% cash back on gas and military base purchases (up to $3,000 spent per year), 2% cash back at grocery (up to $3,000 spent per year), and 1% back on all other purchases

Purchase Intro APR: Not Offered

Transfer Intro APR: 0% until June 2027

Balance Transfer Fee: 5%

Regular APR: 15.90% - 27.90% (V)

Annual Fee: $0

Credit Score: Good

Finally, you can see how the best USAA credit cards for cash back stack up against the best cash rewards cards overall. There are a lot of great offers out there from other issuers, and...

View more answers

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* The information about the following cards has been independently collected by WalletHub: USAA® Secured American Express® Card, USAA® Secured Visa Platinum® Card, USAA® Cashback Rewards Plus American Express® Card, USAA® Rewards™ American Express® Card, USAA® Rewards™ Visa Signature® Card, and Five Star Bank College Rewards Visa® Credit Card.