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Info about the USAA® Secured American Express® Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
APRReviewsFAQContactFair Credit, Limited History, Bad Credit
$250
28.15% (V)
| cash advance fee | 5% |
| cash advance APR | 28.15% (V) |
| foreign transaction fee | 0% |
| smart chip | Yes, chip-and-PIN |
| max late fee | $35 |
| max overlimit fee | $0 |
| max penalty APR | None |
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
Can't find what you are looking for? Submit your question about USAA® Secured American Express® Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card. In addition, WalletHub independently collected information for some of the cards on this page.
You cannot have your USAA Secured Card converted to unsecured. However, once you use this card to raise your credit score, you can then go on to apply for one of USAA's unsecured cards. To build your score, use your USAA Secured Card responsibly: keep your credit utilization ratio low and make your monthly payments on time.
No, you cannot get an USAA® Secured American Express® Card credit limit increase. According to customer service, credit limit increases are not available for this card. This means that after you've paid your initial deposit and the account is open, your credit limit stays locked in for the duration of the account. So, if you want a high credit limit, you should try to deposit as much as you can before opening your USAA® Secured American Express® Card account.
If you can't...
Your credit limit will equal your security deposit – in this case, you are looking at a credit limit of $1,000.
Yes, it is an AmEx card, so you can use it at any merchant or service provider that accepts AmEx. Plus it offers a collision damage waiver so you know you're protected in case the vehicle is damaged or stolen.
Yes, you can pay the USAA Secured credit card deposit with either a checking or a savings account.
However, the card is currently not available to new applicants.
You would need to be an eligible member to get a USAA secured card. There isn't a minumum credit score requirement, but to join you must have some form of military service. Or, you must have a parent or spouse who both is a USAA member and has USAA auto or home insurance.
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Offer last updated: Sep 12th, 2023 at 10:33 ET
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