USAA Credit Cards
Preferred Cash Rewards Visa Signature® Card
- Earn 1.5% cash back on every purchase.1
- There's no limit or category restrictions on the amount you can earn.
- Redeem your cash rewards anytime using your mobile device or computer.
Point Rewards
Available With:
USAA Rewards™ American Express® Card
Earn more rewards points on your everyday purchases.1
- Featured Reward: 3X points on dining out
- 2X points on gas and groceries
- 1X points on all other purchases
- 2,500 bonus points after your first purchase
- A variety of military affiliate card designs (Opens pop-up layer) available
Variable Annual Percentage Rate: (Opens pop-up layer)
11.90% to 27.90% Annual Percentage RateSame Rate on Purchases,
Cash and Transfers
View USAA Rewards American Express Credit Card Rates and Fees
ANNUAL FEE :
$0
USAA Rewards™ Visa Signature® Card
Earn unlimited rewards points you can redeem anytime.1
- Featured Reward: 2X points on gas and dining out
- 1X points on all other purchases
- 2,500 bonus points after your first purchase
- A variety of military affiliate card designs (Opens pop-up layer) available
Variable Annual Percentage Rate: (Opens pop-up layer)
11.90% to 27.90% Annual Percentage RateSame Rate on Purchases,
Cash and Transfers
View USAA Rewards Visa Signature Credit Card Rates and Fees
ANNUAL FEE :
$0
Cash Rewards
Available With:
Cashback Rewards Plus American Express® Card
Earn rewards you can redeem anytime.1
- Featured Reward: 5% cash back on your first $3,000 in combined gas station and military base purchases yearly
- 2% cash back on your first $3,000 in grocery purchases yearly
- Unlimited 1% cash back on all other purchases
- A variety of military affiliate card designs (Opens pop-up layer) available
Variable Annual Percentage Rate: (Opens pop-up layer)
13.90% to 27.90% Annual Percentage RateSame Rate on Purchases,
Cash and Transfers
View USAA Cashback Rewards Plus American Express Credit Card Rates and Fees
ANNUAL FEE :
$0
Preferred Cash Rewards Visa Signature® Card
Earn rewards without limits.1
- Featured Reward: Unlimited 1.5% cash back on all purchases
- No category restrictions
- Redeemable anytime
- A variety of military affiliate card designs (Opens pop-up layer) available
Variable Annual Percentage Rate: (Opens pop-up layer)
13.90% to 27.90% Annual Percentage RateSame Rate on Purchases,
Cash and Transfers
View USAA Preferred Cash Rewards Visa Signature Credit Card Rates and Fees
ANNUAL FEE :
$0
Low Rate
Available With:
USAA Rate Advantage Visa Platinum® Card
- Featured Reward:Enjoy our lowest rate card — and save
- A variety of military affiliate card designs (Opens pop-up layer) available
Variable Annual Percentage Rate: (Opens pop-up layer)
8.90% to 25.90% Annual Percentage RateSame Rate on Purchases,
Cash and Transfers
View USAA Rate Advantage Visa Platinum Credit Card Rates and Fees
ANNUAL FEE :
$0
Build Credit
New Secured Card Coming
If you need to build or rebuild your credit, we're working towards creating a credit card for you. In the meantime, please check out our other credit cards.
Military Affiliate
Available With:
USAA Military Affiliate Visa Signature® Card
Earn unlimited rewards points that never expire.1
- Featured Reward: 1X points on every purchase
- 2,500 bonus points after your first purchase
Variable Annual Percentage Rate: (Opens pop-up layer)
12.90% to 27.90% Annual Percentage RateSame Rate on Purchases,
Cash and Transfers
View USAA Military Affiliate Visa Signature Credit Card Rates and Fees
ANNUAL FEE :
$0
USAA Military Affiliate American Express® Card
Earn unlimited rewards points that never expire.1
- Featured Reward: 2X points on gas and groceries
- 1X points on all other purchases
- 2,500 bonus points after your first purchase
Variable Annual Percentage Rate: (Opens pop-up layer)
12.90% to 27.90% Annual Percentage RateSame Rate on Purchases,
Cash and Transfers
View USAA Military Affiliate American Express Credit Card Rates and Fees
ANNUAL FEE :
$0
Which feature is most important to you? Select an option and see its description below. Close
Cash Back
Earn cash back on everyday purchases
— with no annual fee.
Earn points on everyday purchases and redeem them for cash, merchandise, gift cards or travel – with no annual fee.
Low Rate
Get one low rate for purchases, cash advances and balance transfers.
Show Your Military Pride
Represent the military affinity group of your choice on your card.
Available With:
Preferred Cash Rewards Visa Signature® Card
- Featured Reward: Earn 1.5% cash back on every purchase.
Variable A nnualP ercentageR ate RATES : (Opens pop-up layer)
13.90% to 27.90% Annual Percentage RateSame Rate on Purchases,
Cash and Transfers
View USAA Preferred Cash Rewards Visa Signature Credit Card Rates and Fees
ANNUAL FEE :
$0
Cash Rewards Visa Signature® Card
- Featured Reward: Earn up to 1.25% cash back (Opens pop-up layer) on your everyday purchases.
Variable A nnualP ercentageR ate RATES : (Opens pop-up layer)
13.90% to 27.90% Annual Percentage RateSame Rate on Purchases,
Cash and Transfers
View USAA Cash Rewards Visa Signature Credit Card Rates and Fees
ANNUAL FEE :
$0
Cashback Rewards Plus American Express® Card
- Featured Reward: Earn 5% cash back (Opens pop-up layer) on your first $3,000 in gas and military base purchases annually on these categories combined.
- Featured Reward: Earn 2% (Opens pop-up layer) on your first $3,000 on supermarket purchases per year.
- Featured Reward: Unlimited 1% cash back (Opens pop-up layer) on all other purchases.
Variable A nnualP ercentageR ate RATES : (Opens pop-up layer)
13.90% to 27.90% Annual Percentage RateSame Rate on Purchases,
Cash and Transfers
View Cashback Rewards Plus American Express Rates and Fees
ANNUAL FEE :
$0
Cash Rewards American Express® Card
- Featured Reward: Earn up to 2.25% cash back (Opens pop-up layer) on gas and grocery purchases.
- Featured Reward: Earn up to 1.25% cash back (Opens pop-up layer) on your everyday purchases.
Variable A nnualP ercentageR ate RATES : (Opens pop-up layer)
11.90% to 27.90% Annual Percentage RateSame Rate on Purchases,
Cash and Transfers
View USAA Cash Rewards American Express Credit Card Rates and Fees
ANNUAL FEE :
$0
USAA Rewards™ Visa Signature® Card
- Featured Reward: Earn one point for every dollar spent on your everyday purchases.
Variable A nnualP ercentageR ate RATES : (Opens pop-up layer)
11.90% to 27.90% Annual Percentage RateSame Rate on Purchases,
Cash and Transfers
View USAA Rewards Visa Signature Credit Card Rates and Fees
ANNUAL FEE :
$0
USAA Rewards™ American Express® Card
- Featured Reward: Earn 2X points per dollar spent on gas and groceries with no caps.
Variable A nnualP ercentageR ate RATES : (Opens pop-up layer)
11.90% to 27.90% Annual Percentage RateSame Rate on Purchases,
Cash and Transfers
View USAA Rewards American Express Credit Card Rates and Fees
ANNUAL FEE :
$0
USAA Rate Advantage Visa Platinum® Card
- Featured Reward:Enjoy our lowest rate card — and save
- A variety of military affiliate card designs (Opens pop-up layer) available
Variable A nnualP ercentageR ate RATES : (Opens pop-up layer)
8.90% to 25.90% Annual Percentage RateSame Rate on Purchases,
Cash and Transfers
View USAA Rate Advantage Visa Platinum Credit Card Rates and Fees
ANNUAL FEE :
$0
USAA Military Affiliate Visa Signature® Card
- Featured Reward: Earn one point for every dollar spent on your everyday purchases.
Variable A nnualP ercentageR ate RATES : (Opens pop-up layer)
12.90% to 27.90% Annual Percentage RateSame Rate on Purchases,
Cash and Transfers
View USAA Military Affiliate Visa Signature Credit Card Rates and Fees
ANNUAL FEE :
$0
USAA Military Affiliate American Express® Card
- Featured Reward: Earn 2X points for every dollar on gas and grocery purchases all the time.
Variable A nnualP ercentageR ate RATES : (Opens pop-up layer)
12.90% to 27.90% Annual Percentage RateSame Rate on Purchases,
Cash and Transfers
View USAA Military Affiliate American Express Credit Card Rates and Fees
ANNUAL FEE :
$0
View Credit Levels
Good Credit
Your credit may be considered good if you:
- Haven't declared bankruptcy or defaulted on a loan in the last five years.
- Aren't currently more than 30 days late on any credit card or loan payment.
- Haven't been more than 60 days late on any credit card or loan payment in the last two years.
- Have had a credit card or other credit for at least two years.
Building Credit
You may fall into this category if any of these statements apply to you:
- I've never had a credit card or loan.
- I've declared bankruptcy or defaulted on a loan in the last five years.
- I'm currently more than 30 days late on a credit card or loan payment.
What Can I Get With My Points?
| Points Earned | Reward Examples |
|---|---|
| 1,400 | SONY "Noise Canceling Headphones" |
| 5,000 | $50 Cash Rebate when you redeem on mobile |
| 15,150 | $150 Cruise Value Certificate |
| 25,300 | $300 Cruise Value Certificate |
| 30,000 | $300 Air Travel Award |
Balance Transfer and Cash Advance Fee
There is a transaction fee of 3% of the amount of each Balance Transfer and each Cash Advance (including Convenience Checks). Cash Advance Fee is waived when you transfer funds electronically from your USAA credit card to your USAA Bank deposit account.
Variable APR Rates
An interest rate that can increase or decrease based on an "index" such as the prime rate. For example, if a variable rate is based on the prime rate plus a margin of 9.65% and the prime is 3.25%, then the current variable interest rate will be 12.9%.
Penalty APRs
Many banks make you pay more in interest charges when you've had a late payment or if your account goes over the credit limit. These charges can more than double the interest you pay — and they can be charged indefinitely.
Our credit cards do not have penalty APRs.
Help Build or Rebuild Your Credit
Secured credit cards are an option for those who:
- Haven't had a credit card or loan before.
- Want to establish or improve their credit including their history with the three major credit bureaus.
- Have experienced financial events that negatively affected their credit score.
Average Credit
Your credit may be considered average if you:
- Haven't declared bankruptcy or defaulted on a loan in the last five years.
- Aren't currently more than 30 days late on any credit card or loan payment.
- Have been more than 60 days late on any credit card or loan payment in the last two years.
- Have had a credit card or other credit for less than two years.
- Have a total credit limit of less than $5,000 on all of your credit cards and loans.
Military Affiliate Card Designs
Show your pride with your choice of military affiliate card designs.
The process is easy:
- First, fill out the application for the card you'd like.
- Then, if your application is approved, select the design you want.
Cash Back Rewards
| Earn | In These Purchase Categories | When You Shop At | On Your First |
|---|---|---|---|
| 5% |
|
|
$3,000 in annual purchases in these purchase categories combined. After that, earn 1% for the remainder of the year. 2 |
| 2% |
Groceries |
Supermarkets |
$3,000 in annual purchases in the purchase category. After that, earn 1% for the remainder of the year. |
| 1% |
All Other Purchases |
Anywhere |
No limit! |
Cash Rewards
With the USAA Cash Rewards credit card:
- Redeem your cash rewards anytime using your mobile device or computer.
- There's no limit to how much you can earn in a year.
- The more you use your card, the greater your rebate.
| Annual Net Purchases | Cash Rewards Rebate |
|---|---|
| $0 to $5,000 | 0.45% of all Annual Net Purchases |
| $5,000 to $10,000 | $22.50 plus 0.85% of Annual Net Purchases over $5,000 |
| $10,000 to $17,000 | $65 plus 1% of Annual Net Purchases over $10,000 |
| $17,000 or more | $135 plus 1.25% of Annual Net Purchases over $17,000 |
See Cash Rewards program terms and conditions for more details.
Cashback Rewards Plus American Express®
Rates and Fees
A. Rates, Fees, and other Cost Information
Interest Rates and Interest Charges
| Regular
Annual Percentage Rate (APR) for: |
|
|---|---|
|
13.90% to 27.90% based on your creditworthiness and other factors. This Annual Percentage Rate will vary with the market based on the Prime Rate.See note1 |
| Penalty AnnualPercentageRate: | None |
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.2 |
| Minimum Interest Charge | None |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://consumerfinance.gov/learnmore Opens New Window. |
Fees
| Annual Fee | None |
|---|---|
| Transaction Fees | |
| •Balance Transfer | Balance Transfer:3% of the amount of each transfer. |
| •Cash Advance | Cash Advance:3% of the amount of each cash advance. Fee waived when transferring funds electronically to a USAA deposit account. |
| •Foreign Transaction | Foreign Transaction:None |
| Penalty Fees | |
| •Late Payment | Late Payment: Up to $35See note3 |
| • Returned Payment | Returned Payment: Up to $35See note3 |
| •Over-the-Credit Limit | Over-the-Credit Limit:$0 |
How We Will Calculate Your Balance: We will use a method called "average daily balance (including new purchases)."
See note1 Other than an introductory rate, the APRs may increase or decrease monthly based on the Prime Rate published in The Wall Street Journal. There is no limit on any increase. Any increase in the APR may increase your minimum payment and amount of interest you pay.
See note2 We charge interest (unless the grace period applies) from the date of the transaction until the date you pay us back. There is no grace period for Cash Advances or Balance Transfers.
See note3 Late Payment Fee is $25 for the first time late within prior 6 billing periods; otherwise $35. Returned Payment Fee is $25 for first return payment within prior 6 billing periods; otherwise $35. In no event will either fee exceed the minimum payment due on your most recent bill.
New York Residents: For questions, call us at (800) 531-8712. New York residents may contact the New York State Department of Financial Services by calling (800) 342-3736 or by visiting its website, https://www.dfs.ny.gov for free information on comparative credit card rates, fees and grace periods.
B. Other Information
By requesting a USAA credit card account from USAA Savings Bank in Las Vegas, Nevada (referred to as "we", "us" or "our" in this paragraph):
- You certify that: (1) you are a U.S. citizen or a permanent resident of the U.S. (2) you are at least 18 years of age; and (3) the information you provide to us is correct and given for the purpose of obtaining credit. You understand that we will rely on this information.
- You authorize us to confirm the information you provide to us, retain your application, and open an account for you. You also authorize us to obtain and use consumer credit reports in connection with this application and in reviewing, modifying or collecting any credit extended to you. If you ask, we will tell you if we requested a credit report and give you the name and address of the credit reporting agency. If we no longer offer or you do not qualify for the card requested, you authorize us to consider you for another USAA credit card account.
Your application is subject to our approval in Las Vegas, Nevada. Upon approval, we will establish the APRs, fees and amount of your credit line and send you a Credit Card Agreement and your credit card(s). This offer is not transferable.
Credit Card Agreement: You will be deemed to sign the agreement when the first transaction is made on the account. If no transactions are made within ten days after your account is opened, then you will be deemed to sign the agreement unless you close the account. If you do not want to agree to the terms in the agreement, make sure no transactions are made and that you close the account within ten days from when it is opened. The Agreement is governed by the laws of Nevada and the United States and is subject to change. In addition, if your billing address is in the State of Maryland, except to the extent preempted by federal law, title 12, subtitle 9 of the Maryland Commercial Code will apply.
California Residents: Married applicants may apply for separate credit.
Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
Wisconsin Residents: No provision of a marital property agreement, a unilateral statement under section 766.59, or a court decree under section 766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred.
Zero Liability Policy: You are not liable for unauthorized use that is reported to us. Unauthorized use means the use of a credit card by someone other than you who does not have actual, implied or apparent authority for such use and from which you or any member of your family does not receive a direct or indirect benefit. We will follow the requirements of the federal Truth in Lending Act and Nevada law to determine if a charge is unauthorized.
Telephone Numbers: The numbers you provide in your account application will update your personal profile used by the USAA companies. By providing the telephone numbers in your profile, you are giving USAA permission to contact you at these phone numbers about USAA products. You may edit phone numbers in your profile at any time by visiting usaa.com or by calling us.
Arbitration: The Credit Card Agreement has an arbitration clause which states that either you or we can require that certain disputes must be resolved by binding arbitration rather than in a court by a judge or a jury. The arbitration clause may substantially limit or affect your rights, including your right to go to court, to have a trial by jury to conduct discovery, to appeal, and to participate in a class action or any similar proceeding.
IMPORTANT INFORMATION ABOUT TRANSFERRING BALANCES
- You may transfer balances totaling up to your transfer limit. Your transfer limit is equal to 95% of your Credit Limit less any other balances (including pending transactions, interest and fees). We may refuse to process a balance transfer if it would exceed your transfer limit. Balance transfer cannot be made from another USAA credit card account. Please allow up to 4 business days for balance transfers we can process electronically and 7-10 business days for all other balance transfers.
- Please continue to make payments on the unpaid balance of each account according to the terms of the agreement. We cannot close your other account(s) with other issuers, even if you transfer the entire balance. Please contact the issuer of the account for information on how to close that account. Important: If you transfer an amount related to a transaction you dispute, you may lose your rights against the other creditor. Your dispute does not transfer to us.
- There is a transaction fee of 3% of the amount of each Balance Transfer and each Cash Advance (including Convenience Checks). There is no grace period for Cash Advances or Balance Transfers. At the end of the promotional period, all unpaid balances receiving the promotional APR will be moved from the promotional balance to your regular Cash Advance APR balance.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
Preferred Cash Rewards Visa Signature®
Rates and Fees
A. Rates, Fees, and other Cost Information
Interest Rates and Interest Charges
| Regular
Annual Percentage Rate (APR) for: |
|
|---|---|
|
13.90% to 27.90% based on your creditworthiness and other factors. This Annual Percentage Rate will vary with the market based on the Prime Rate.See note1 |
| Penalty AnnualPercentageRate: | None |
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.2 |
| Minimum Interest Charge | None |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://consumerfinance.gov/learnmore Opens New Window. |
Fees
| Annual Fee | None |
|---|---|
| Transaction Fees | |
| •Balance Transfer | Balance Transfer:3% of the amount of each transfer. |
| •Cash Advance | Cash Advance:3% of the amount of each cash advance. Fee waived when transferring funds electronically to a USAA deposit account. |
| •Foreign Transaction | Foreign Transaction:None |
| Penalty Fees | |
| •Late Payment | Late Payment: Up to $35See note3 |
| • Returned Payment | Returned Payment: Up to $35See note3 |
| •Over-the-Credit Limit | Over-the-Credit Limit:$0 |
How We Will Calculate Your Balance: We will use a method called "average daily balance (including new purchases)."
See note1 Other than an introductory rate, the APRs may increase or decrease monthly based on the Prime Rate published in The Wall Street Journal. There is no limit on any increase. Any increase in the APR may increase your minimum payment and amount of interest you pay.
See note2 We charge interest (unless the grace period applies) from the date of the transaction until the date you pay us back. There is no grace period for Cash Advances or Balance Transfers.
See note3 Late Payment Fee is $25 for the first time late within prior 6 billing periods; otherwise $35. Returned Payment Fee is $25 for first return payment within prior 6 billing periods; otherwise $35. In no event will either fee exceed the minimum payment due on your most recent bill.
New York Residents: For questions, call us at (800) 531-8712. New York residents may contact the New York State Department of Financial Services by calling (800) 342-3736 or by visiting its website, https://www.dfs.ny.gov for free information on comparative credit card rates, fees and grace periods.
B. Other Information
By requesting a USAA credit card account from USAA Savings Bank in Las Vegas, Nevada (referred to as "we", "us" or "our" in this paragraph):
- You certify that: (1) you are a U.S. citizen or a permanent resident of the U.S. (2) you are at least 18 years of age; and (3) the information you provide to us is correct and given for the purpose of obtaining credit. You understand that we will rely on this information.
- You authorize us to confirm the information you provide to us, retain your application, and open an account for you. You also authorize us to obtain and use consumer credit reports in connection with this application and in reviewing, modifying or collecting any credit extended to you. If you ask, we will tell you if we requested a credit report and give you the name and address of the credit reporting agency. If we no longer offer or you do not qualify for the card requested, you authorize us to consider you for another USAA credit card account.
Your application is subject to our approval in Las Vegas, Nevada. Upon approval, we will establish the APRs, fees and amount of your credit line and send you a Credit Card Agreement and your credit card(s). This offer is not transferable.
Credit Card Agreement: You will be deemed to sign the agreement when the first transaction is made on the account. If no transactions are made within ten days after your account is opened, then you will be deemed to sign the agreement unless you close the account. If you do not want to agree to the terms in the agreement, make sure no transactions are made and that you close the account within ten days from when it is opened. The Agreement is governed by the laws of Nevada and the United States and is subject to change. In addition, if your billing address is in the State of Maryland, except to the extent preempted by federal law, title 12, subtitle 9 of the Maryland Commercial Code will apply.
California Residents: Married applicants may apply for separate credit.
Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
Wisconsin Residents: No provision of a marital property agreement, a unilateral statement under section 766.59, or a court decree under section 766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred.
Zero Liability Policy: You are not liable for unauthorized use that is reported to us. Unauthorized use means the use of a credit card by someone other than you who does not have actual, implied or apparent authority for such use and from which you or any member of your family does not receive a direct or indirect benefit. We will follow the requirements of the federal Truth in Lending Act and Nevada law to determine if a charge is unauthorized.
Telephone Numbers: The numbers you provide in your account application will update your personal profile used by the USAA companies. By providing the telephone numbers in your profile, you are giving USAA permission to contact you at these phone numbers about USAA products. You may edit phone numbers in your profile at any time by visiting usaa.com or by calling us.
Arbitration: The Credit Card Agreement has an arbitration clause which states that either you or we can require that certain disputes must be resolved by binding arbitration rather than in a court by a judge or a jury. The arbitration clause may substantially limit or affect your rights, including your right to go to court, to have a trial by jury to conduct discovery, to appeal, and to participate in a class action or any similar proceeding.
IMPORTANT INFORMATION ABOUT TRANSFERRING BALANCES
- You may transfer balances totaling up to your transfer limit. Your transfer limit is equal to 95% of your Credit Limit less any other balances (including pending transactions, interest and fees). We may refuse to process a balance transfer if it would exceed your transfer limit. Balance transfer cannot be made from another USAA credit card account. Please allow up to 4 business days for balance transfers we can process electronically and 7-10 business days for all other balance transfers.
- Please continue to make payments on the unpaid balance of each account according to the terms of the agreement. We cannot close your other account(s) with other issuers, even if you transfer the entire balance. Please contact the issuer of the account for information on how to close that account. Important: If you transfer an amount related to a transaction you dispute, you may lose your rights against the other creditor. Your dispute does not transfer to us.
- There is a transaction fee of 3% of the amount of each Balance Transfer and each Cash Advance (including Convenience Checks). There is no grace period for Cash Advances or Balance Transfers. At the end of the promotional period, all unpaid balances receiving the promotional APR will be moved from the promotional balance to your regular Cash Advance APR balance.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
USAA Rate Advantage Visa Platinum®
Rates and Fees
A. Rates, Fees, and other Cost Information
Interest Rates and Interest Charges
| Regular
Annual Percentage Rate (APR) for: |
|
|---|---|
|
8.90% to 25.90% based on your creditworthiness and other factors. This Annual Percentage Rate will vary with the market based on the Prime Rate.See note1 |
| Penalty AnnualPercentageRate: | None |
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.2 |
| Minimum Interest Charge | None |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://consumerfinance.gov/learnmore Opens New Window. |
Fees
| Annual Fee | None |
|---|---|
| Transaction Fees | |
| •Balance Transfer | Balance Transfer:3% of the amount of each transfer. |
| •Cash Advance | Cash Advance:3% of the amount of each cash advance. Fee waived when transferring funds electronically to a USAA deposit account. |
| •Foreign Transaction | Foreign Transaction:None |
| Penalty Fees | |
| •Late Payment | Late Payment: Up to $35See note3 |
| • Returned Payment | Returned Payment: Up to $35See note3 |
| •Over-the-Credit Limit | Over-the-Credit Limit:$0 |
How We Will Calculate Your Balance: We will use a method called "average daily balance (including new purchases)."
See note1 Other than an introductory rate, the APRs may increase or decrease monthly based on the Prime Rate published in The Wall Street Journal. There is no limit on any increase. Any increase in the APR may increase your minimum payment and amount of interest you pay.
See note2 We charge interest (unless the grace period applies) from the date of the transaction until the date you pay us back. There is no grace period for Cash Advances or Balance Transfers.
See note3 Late Payment Fee is $25 for the first time late within prior 6 billing periods; otherwise $35. Returned Payment Fee is $25 for first return payment within prior 6 billing periods; otherwise $35. In no event will either fee exceed the minimum payment due on your most recent bill.
New York Residents: For questions, call us at (800) 531-8712. New York residents may contact the New York State Department of Financial Services by calling (800) 342-3736 or by visiting its website, https://www.dfs.ny.gov for free information on comparative credit card rates, fees and grace periods.
B. Other Information
By requesting a USAA credit card account from USAA Savings Bank in Las Vegas, Nevada (referred to as "we", "us" or "our" in this paragraph):
- You certify that: (1) you are a U.S. citizen or a permanent resident of the U.S. (2) you are at least 18 years of age; and (3) the information you provide to us is correct and given for the purpose of obtaining credit. You understand that we will rely on this information.
- You authorize us to confirm the information you provide to us, retain your application, and open an account for you. You also authorize us to obtain and use consumer credit reports in connection with this application and in reviewing, modifying or collecting any credit extended to you. If you ask, we will tell you if we requested a credit report and give you the name and address of the credit reporting agency. If we no longer offer or you do not qualify for the card requested, you authorize us to consider you for another USAA credit card account.
Your application is subject to our approval in Las Vegas, Nevada. Upon approval, we will establish the APRs, fees and amount of your credit line and send you a Credit Card Agreement and your credit card(s). This offer is not transferable.
Credit Card Agreement: You will be deemed to sign the agreement when the first transaction is made on the account. If no transactions are made within ten days after your account is opened, then you will be deemed to sign the agreement unless you close the account. If you do not want to agree to the terms in the agreement, make sure no transactions are made and that you close the account within ten days from when it is opened. The Agreement is governed by the laws of Nevada and the United States and is subject to change. In addition, if your billing address is in the State of Maryland, except to the extent preempted by federal law, title 12, subtitle 9 of the Maryland Commercial Code will apply.
California Residents: Married applicants may apply for separate credit.
Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
Wisconsin Residents: No provision of a marital property agreement, a unilateral statement under section 766.59, or a court decree under section 766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred.
Zero Liability Policy: You are not liable for unauthorized use that is reported to us. Unauthorized use means the use of a credit card by someone other than you who does not have actual, implied or apparent authority for such use and from which you or any member of your family does not receive a direct or indirect benefit. We will follow the requirements of the federal Truth in Lending Act and Nevada law to determine if a charge is unauthorized.
Telephone Numbers: The numbers you provide in your account application will update your personal profile used by the USAA companies. By providing the telephone numbers in your profile, you are giving USAA permission to contact you at these phone numbers about USAA products. You may edit phone numbers in your profile at any time by visiting usaa.com or by calling us.
Arbitration: The Credit Card Agreement has an arbitration clause which states that either you or we can require that certain disputes must be resolved by binding arbitration rather than in a court by a judge or a jury. The arbitration clause may substantially limit or affect your rights, including your right to go to court, to have a trial by jury to conduct discovery, to appeal, and to participate in a class action or any similar proceeding.
IMPORTANT INFORMATION ABOUT TRANSFERRING BALANCES
- You may transfer balances totaling up to your transfer limit. Your transfer limit is equal to 95% of your Credit Limit less any other balances (including pending transactions, interest and fees). We may refuse to process a balance transfer if it would exceed your transfer limit. Balance transfer cannot be made from another USAA credit card account. Please allow up to 4 business days for balance transfers we can process electronically and 7-10 business days for all other balance transfers.
- Please continue to make payments on the unpaid balance of each account according to the terms of the agreement. We cannot close your other account(s) with other issuers, even if you transfer the entire balance. Please contact the issuer of the account for information on how to close that account. Important: If you transfer an amount related to a transaction you dispute, you may lose your rights against the other creditor. Your dispute does not transfer to us.
- There is a transaction fee of 3% of the amount of each Balance Transfer and each Cash Advance (including Convenience Checks). There is no grace period for Cash Advances or Balance Transfers. At the end of the promotional period, all unpaid balances receiving the promotional APR will be moved from the promotional balance to your regular Cash Advance APR balance.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
USAA Rewards™ Visa Signature®
Rates and Fees
A. Rates, Fees, and other Cost Information
Interest Rates and Interest Charges
| Regular
Annual Percentage Rate (APR) for: |
|
|---|---|
|
11.90% to 27.90% based on your creditworthiness and other factors. This Annual Percentage Rate will vary with the market based on the Prime Rate.See note1 |
| Penalty AnnualPercentageRate: | None |
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.2 |
| Minimum Interest Charge | None |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://consumerfinance.gov/learnmore Opens New Window. |
Fees
| Annual Fee | None |
|---|---|
| Transaction Fees | |
| •Balance Transfer | Balance Transfer:3% of the amount of each transfer. |
| •Cash Advance | Cash Advance:3% of the amount of each cash advance. Fee waived when transferring funds electronically to a USAA deposit account. |
| •Foreign Transaction | Foreign Transaction:None |
| Penalty Fees | |
| •Late Payment | Late Payment: Up to $35See note3 |
| • Returned Payment | Returned Payment: Up to $35See note3 |
| •Over-the-Credit Limit | Over-the-Credit Limit:$0 |
How We Will Calculate Your Balance: We will use a method called "average daily balance (including new purchases)."
See note1 Other than an introductory rate, the APRs may increase or decrease monthly based on the Prime Rate published in The Wall Street Journal. There is no limit on any increase. Any increase in the APR may increase your minimum payment and amount of interest you pay.
See note2 We charge interest (unless the grace period applies) from the date of the transaction until the date you pay us back. There is no grace period for Cash Advances or Balance Transfers.
See note3 Late Payment Fee is $25 for the first time late within prior 6 billing periods; otherwise $35. Returned Payment Fee is $25 for first return payment within prior 6 billing periods; otherwise $35. In no event will either fee exceed the minimum payment due on your most recent bill.
New York Residents: For questions, call us at (800) 531-8712. New York residents may contact the New York State Department of Financial Services by calling (800) 342-3736 or by visiting its website, https://www.dfs.ny.gov for free information on comparative credit card rates, fees and grace periods.
B. Other Information
By requesting a USAA credit card account from USAA Savings Bank in Las Vegas, Nevada (referred to as "we", "us" or "our" in this paragraph):
- You certify that: (1) you are a U.S. citizen or a permanent resident of the U.S. (2) you are at least 18 years of age; and (3) the information you provide to us is correct and given for the purpose of obtaining credit. You understand that we will rely on this information.
- You authorize us to confirm the information you provide to us, retain your application, and open an account for you. You also authorize us to obtain and use consumer credit reports in connection with this application and in reviewing, modifying or collecting any credit extended to you. If you ask, we will tell you if we requested a credit report and give you the name and address of the credit reporting agency. If we no longer offer or you do not qualify for the card requested, you authorize us to consider you for another USAA credit card account.
Your application is subject to our approval in Las Vegas, Nevada. Upon approval, we will establish the APRs, fees and amount of your credit line and send you a Credit Card Agreement and your credit card(s). This offer is not transferable.
Credit Card Agreement: You will be deemed to sign the agreement when the first transaction is made on the account. If no transactions are made within ten days after your account is opened, then you will be deemed to sign the agreement unless you close the account. If you do not want to agree to the terms in the agreement, make sure no transactions are made and that you close the account within ten days from when it is opened. The Agreement is governed by the laws of Nevada and the United States and is subject to change. In addition, if your billing address is in the State of Maryland, except to the extent preempted by federal law, title 12, subtitle 9 of the Maryland Commercial Code will apply.
California Residents: Married applicants may apply for separate credit.
Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
Wisconsin Residents: No provision of a marital property agreement, a unilateral statement under section 766.59, or a court decree under section 766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred.
Zero Liability Policy: You are not liable for unauthorized use that is reported to us. Unauthorized use means the use of a credit card by someone other than you who does not have actual, implied or apparent authority for such use and from which you or any member of your family does not receive a direct or indirect benefit. We will follow the requirements of the federal Truth in Lending Act and Nevada law to determine if a charge is unauthorized.
Telephone Numbers: The numbers you provide in your account application will update your personal profile used by the USAA companies. By providing the telephone numbers in your profile, you are giving USAA permission to contact you at these phone numbers about USAA products. You may edit phone numbers in your profile at any time by visiting usaa.com or by calling us.
Arbitration: The Credit Card Agreement has an arbitration clause which states that either you or we can require that certain disputes must be resolved by binding arbitration rather than in a court by a judge or a jury. The arbitration clause may substantially limit or affect your rights, including your right to go to court, to have a trial by jury to conduct discovery, to appeal, and to participate in a class action or any similar proceeding.
IMPORTANT INFORMATION ABOUT TRANSFERRING BALANCES
- You may transfer balances totaling up to your transfer limit. Your transfer limit is equal to 95% of your Credit Limit less any other balances (including pending transactions, interest and fees). We may refuse to process a balance transfer if it would exceed your transfer limit. Balance transfer cannot be made from another USAA credit card account. Please allow up to 4 business days for balance transfers we can process electronically and 7-10 business days for all other balance transfers.
- Please continue to make payments on the unpaid balance of each account according to the terms of the agreement. We cannot close your other account(s) with other issuers, even if you transfer the entire balance. Please contact the issuer of the account for information on how to close that account. Important: If you transfer an amount related to a transaction you dispute, you may lose your rights against the other creditor. Your dispute does not transfer to us.
- There is a transaction fee of 3% of the amount of each Balance Transfer and each Cash Advance (including Convenience Checks). There is no grace period for Cash Advances or Balance Transfers. At the end of the promotional period, all unpaid balances receiving the promotional APR will be moved from the promotional balance to your regular Cash Advance APR balance.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
USAA Rewards™ American Express Card
Rates and Fees
A. Rates, Fees, and other Cost Information
Interest Rates and Interest Charges
| Regular
Annual Percentage Rate (APR) for: |
|
|---|---|
|
11.90% to 27.90% based on your creditworthiness and other factors. This Annual Percentage Rate will vary with the market based on the Prime Rate.See note1 |
| Penalty AnnualPercentageRate: | None |
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.2 |
| Minimum Interest Charge | None |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://consumerfinance.gov/learnmore Opens New Window. |
Fees
| Annual Fee | None |
|---|---|
| Transaction Fees | |
| •Balance Transfer | Balance Transfer:3% of the amount of each transfer. |
| •Cash Advance | Cash Advance:3% of the amount of each cash advance. Fee waived when transferring funds electronically to a USAA deposit account. |
| •Foreign Transaction | Foreign Transaction:None |
| Penalty Fees | |
| •Late Payment | Late Payment: Up to $35See note3 |
| • Returned Payment | Returned Payment: Up to $35See note3 |
| •Over-the-Credit Limit | Over-the-Credit Limit:$0 |
How We Will Calculate Your Balance: We will use a method called "average daily balance (including new purchases)."
See note1 Other than an introductory rate, the APRs may increase or decrease monthly based on the Prime Rate published in The Wall Street Journal. There is no limit on any increase. Any increase in the APR may increase your minimum payment and amount of interest you pay.
See note2 We charge interest (unless the grace period applies) from the date of the transaction until the date you pay us back. There is no grace period for Cash Advances or Balance Transfers.
See note3 Late Payment Fee is $25 for the first time late within prior 6 billing periods; otherwise $35. Returned Payment Fee is $25 for first return payment within prior 6 billing periods; otherwise $35. In no event will either fee exceed the minimum payment due on your most recent bill.
New York Residents: For questions, call us at (800) 531-8712. New York residents may contact the New York State Department of Financial Services by calling (800) 342-3736 or by visiting its website, https://www.dfs.ny.gov for free information on comparative credit card rates, fees and grace periods.
B. Other Information
By requesting a USAA credit card account from USAA Savings Bank in Las Vegas, Nevada (referred to as "we", "us" or "our" in this paragraph):
- You certify that: (1) you are a U.S. citizen or a permanent resident of the U.S. (2) you are at least 18 years of age; and (3) the information you provide to us is correct and given for the purpose of obtaining credit. You understand that we will rely on this information.
- You authorize us to confirm the information you provide to us, retain your application, and open an account for you. You also authorize us to obtain and use consumer credit reports in connection with this application and in reviewing, modifying or collecting any credit extended to you. If you ask, we will tell you if we requested a credit report and give you the name and address of the credit reporting agency. If we no longer offer or you do not qualify for the card requested, you authorize us to consider you for another USAA credit card account.
Your application is subject to our approval in Las Vegas, Nevada. Upon approval, we will establish the APRs, fees and amount of your credit line and send you a Credit Card Agreement and your credit card(s). This offer is not transferable.
Credit Card Agreement: You will be deemed to sign the agreement when the first transaction is made on the account. If no transactions are made within ten days after your account is opened, then you will be deemed to sign the agreement unless you close the account. If you do not want to agree to the terms in the agreement, make sure no transactions are made and that you close the account within ten days from when it is opened. The Agreement is governed by the laws of Nevada and the United States and is subject to change. In addition, if your billing address is in the State of Maryland, except to the extent preempted by federal law, title 12, subtitle 9 of the Maryland Commercial Code will apply.
California Residents: Married applicants may apply for separate credit.
Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
Wisconsin Residents: No provision of a marital property agreement, a unilateral statement under section 766.59, or a court decree under section 766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred.
Zero Liability Policy: You are not liable for unauthorized use that is reported to us. Unauthorized use means the use of a credit card by someone other than you who does not have actual, implied or apparent authority for such use and from which you or any member of your family does not receive a direct or indirect benefit. We will follow the requirements of the federal Truth in Lending Act and Nevada law to determine if a charge is unauthorized.
Telephone Numbers: The numbers you provide in your account application will update your personal profile used by the USAA companies. By providing the telephone numbers in your profile, you are giving USAA permission to contact you at these phone numbers about USAA products. You may edit phone numbers in your profile at any time by visiting usaa.com or by calling us.
Arbitration: The Credit Card Agreement has an arbitration clause which states that either you or we can require that certain disputes must be resolved by binding arbitration rather than in a court by a judge or a jury. The arbitration clause may substantially limit or affect your rights, including your right to go to court, to have a trial by jury to conduct discovery, to appeal, and to participate in a class action or any similar proceeding.
IMPORTANT INFORMATION ABOUT TRANSFERRING BALANCES
- You may transfer balances totaling up to your transfer limit. Your transfer limit is equal to 95% of your Credit Limit less any other balances (including pending transactions, interest and fees). We may refuse to process a balance transfer if it would exceed your transfer limit. Balance transfer cannot be made from another USAA credit card account. Please allow up to 4 business days for balance transfers we can process electronically and 7-10 business days for all other balance transfers.
- Please continue to make payments on the unpaid balance of each account according to the terms of the agreement. We cannot close your other account(s) with other issuers, even if you transfer the entire balance. Please contact the issuer of the account for information on how to close that account. Important: If you transfer an amount related to a transaction you dispute, you may lose your rights against the other creditor. Your dispute does not transfer to us.
- There is a transaction fee of 3% of the amount of each Balance Transfer and each Cash Advance (including Convenience Checks). There is no grace period for Cash Advances or Balance Transfers. At the end of the promotional period, all unpaid balances receiving the promotional APR will be moved from the promotional balance to your regular Cash Advance APR balance.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
USAA Secured American Express Card
Rates and Fees
A. Rates, Fees, and other Cost Information
Interest Rates and Interest Charges
| Regular
Annual Percentage Rate (APR) for: |
|
|---|---|
|
21.90% based on your creditworthiness and other factors. This Annual Percentage Rate will vary with the market based on the Prime Rate.See note1 |
| Penalty AnnualPercentageRate: | None |
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.See note2 |
| Minimum Interest Charge | None |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://consumerfinance.gov/learnmore Opens New Window. |
Fees
| Annual Fee | None |
|---|---|
| Transaction Fees | |
| •Balance Transfer | Balance Transfer:3% of the amount of each transfer. |
| •Cash Advance | Cash Advance:3% of the amount of each cash advance. Fee waived when transferring funds electronically to a USAA deposit account. |
| •Foreign Transaction | Foreign Transaction:None |
| Penalty Fees | |
| •Late Payment | Late Payment: Up to $35See note3 |
| • Returned Payment | Returned Payment: Up to $35See note3 |
| •Over-the-Credit Limit | Over-the-Credit Limit:$0 |
How We Will Calculate Your Balance: We will use a method called "average daily balance (including new purchases)."
See note1 Other than an introductory rate, the APRs may increase or decrease monthly based on the Prime Rate published in The Wall Street Journal. There is no limit on the amount of any increase. Any increase in the APR may increase your minimum payment and amount of interest you pay.
See note2 We charge interest (unless the grace period applies) from the date of the transaction until the date you pay us back. There is no grace period for Cash Advances or Balance Transfers.
See note3 Late Payment Fee is $25 for the first time late within prior 6 billing periods; otherwise $35. Returned Payment Fee is $25 for first return payment within prior 6 billing periods; otherwise $35. In no event will either fee exceed the minimum payment due on your most recent bill.
New York Residents: For questions, call us at 800-531-8712. New York residents may contact the New York State Department of Financial Services by calling 800-342-3736 or by visiting its website, https://www.dfs.ny.gov, for free information on comparative credit card rates, fees and grace periods.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the Universal Terms and Conditions of your credit card agreement.
Security Interest: You have entered into a Security Agreement which (1) grants us a security interest in a USAA Certificate of Deposit that you opened in connection with your Account; and (2) gives us certain rights upon a Default (as defined in section 26 of the Agreement).
B. Other Information
By requesting a USAA credit card account from USAA Savings Bank in Las Vegas, Nevada (referred to as "we", "us" or "our" in this paragraph):
- You certify that: (1) you are a U.S. citizen or a permanent resident of the U.S. (2) you are at least 18 years of age; and (3) the information you provide to us is correct and given for the purpose of obtaining credit. You understand that we will rely on this information.
- You authorize us to confirm the information you provide to us, retain your application, and open an account for you. You also authorize us to obtain and use consumer credit reports in connection with this application and in reviewing, modifying or collecting any credit extended to you. If you ask, we will tell you if we requested a credit report and give you the name and address of the credit reporting agency. If we no longer offer or you do not qualify for the card requested, you authorize us to consider you for another USAA credit card account.
Your application is subject to our approval in Las Vegas, Nevada. Upon approval, we will establish the APRs, fees and amount of your credit line and send you a Credit Card Agreement and your credit card(s). This offer is not transferable.
Credit Card Agreement: You will be deemed to sign the agreement when the first transaction is made on the account. If no transactions are made within ten days after your account is opened, then you will be deemed to sign the agreement unless you close the account. If you do not want to agree to the terms in the agreement, make sure no transactions are made and that you close the account within ten days from when it is opened. The Agreement is governed by the laws of Nevada and the United States and is subject to change. In addition, if your billing address is in the State of Maryland, except to the extent preempted by federal law, title 12, subtitle 9 of the Maryland Commercial Code will apply.
California Residents: Married applicants may apply for separate credit.
Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
Wisconsin Residents: No provision of a marital property agreement, a unilateral statement under section 766.59, or a court decree under section 766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred.
Zero Liability Policy: You are not liable for unauthorized use that is reported to us. Unauthorized use means the use of a credit card by someone other than you who does not have actual, implied or apparent authority for such use and from which you or any member of your family does not receive a direct or indirect benefit. We will follow the requirements of the federal Truth in Lending Act and Nevada law to determine if a charge is unauthorized.
Telephone Numbers: The numbers you provide in your account application will update your personal profile used by the USAA companies. By providing the telephone numbers in your profile, you are giving USAA permission to contact you at these phone numbers about USAA products. You may edit phone numbers in your profile at any time by visiting usaa.com or by calling us.
Arbitration: The Credit Card Agreement has an arbitration clause which states that either you or we can require that certain disputes must be resolved by binding arbitration rather than in a court by a judge or a jury. The arbitration clause may substantially limit or affect your rights, including your right to go to court, to have a trial by jury to conduct discovery, to appeal, and to participate in a class action or any similar proceeding.
IMPORTANT INFORMATION ABOUT TRANSFERRING BALANCES
- You may transfer balances totaling up to your transfer limit. Your transfer limit is equal to 95% of your Credit Limit less any other balances (including pending transactions, interest and fees). We may refuse to process a balance transfer if it would exceed your transfer limit. Balance transfer cannot be made from another USAA credit card account. Please allow up to 4 business days for balance transfers we can process electronically and 7-10 business days for all other balance transfers.
- Please continue to make payments on the unpaid balance of each account according to the terms of the agreement. We cannot close your other account(s) with other issuers, even if you transfer the entire balance. Please contact the issuer of the account for information on how to close that account. Important: If you transfer an amount related to a transaction you dispute, you may lose your rights against the other creditor. Your dispute does not transfer to us.
- There is a transaction fee of 3% of the amount of each balance transfer and each cash advance (including convenience checks). There is no grace period for cash advances or balance transfers. At the end of the promotional period, all unpaid balances receiving the promotional APR will be moved from the promotional balance to your regular cash advance APR balance.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
USAA Secured Visa Platinum® Card
Rates and Fees
A. Rates, Fees, and other Cost Information
Interest Rates and Interest Charges
| Regular
Annual Percentage Rate (APR) for: |
|
|---|---|
|
21.90% based on your creditworthiness and other factors. This Annual Percentage Rate will vary with the market based on the Prime Rate.See note1 |
| Penalty AnnualPercentageRate: | None |
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.See note2 |
| Minimum Interest Charge | None |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://consumerfinance.gov/learnmore Opens New Window. |
Fees
| Annual Fee | None |
|---|---|
| Transaction Fees | |
| •Balance Transfer | Balance Transfer:3% of the amount of each transfer. |
| •Cash Advance | Cash Advance:3% of the amount of each cash advance. Fee waived when transferring funds electronically to a USAA deposit account. |
| •Foreign Transaction | Foreign Transaction:None |
| Penalty Fees | |
| •Late Payment | Late Payment: Up to $35See note3 |
| • Returned Payment | Returned Payment: Up to $35See note3 |
| •Over-the-Credit Limit | Over-the-Credit Limit:$0 |
How We Will Calculate Your Balance: We will use a method called "average daily balance (including new purchases)."
See note1 Other than an introductory rate, the APRs may increase or decrease monthly based on the Prime Rate published in The Wall Street Journal. There is no limit on the amount of any increase. Any increase in the APR may increase your minimum payment and amount of interest you pay.
See note2 We charge interest (unless the grace period applies) from the date of the transaction until the date you pay us back. There is no grace period for Cash Advances or Balance Transfers.
See note3 Late Payment Fee is $25 for the first time late within prior 6 billing periods; otherwise $35. Returned Payment Fee is $25 for first return payment within prior 6 billing periods; otherwise $35. In no event will either fee exceed the minimum payment due on your most recent bill.
New York Residents: For questions, call us at 800-531-8712. New York residents may contact the New York State Department of Financial Services by calling 800-342-3736 or by visiting its website, https://www.dfs.ny.gov, for free information on comparative credit card rates, fees and grace periods.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the Universal Terms and Conditions of your credit card agreement.
Security Interest: You have entered into a Security Agreement which (1) grants us a security interest in a USAA Certificate of Deposit that you opened in connection with your Account; and (2) gives us certain rights upon a Default (as defined in section 26 of the Agreement).
B. Other Information
By requesting a USAA credit card account from USAA Savings Bank in Las Vegas, Nevada (referred to as "we," "us" or "our" in this paragraph):
- You certify that: (1) you are a U.S. citizen or a permanent resident of the U.S. (2) you are at least 18 years of age; and (3) the information you provide to us is correct and given for the purpose of obtaining credit. You understand that we will rely on this information.
- You authorize us to confirm the information you provide to us, retain your application, and open an account for you. You also authorize us to obtain and use consumer credit reports in connection with this application and in reviewing, modifying or collecting any credit extended to you. If you ask, we will tell you if we requested a credit report and give you the name and address of the credit reporting agency. If we no longer offer or you do not qualify for the card requested, you authorize us to consider you for another USAA credit card account.
Your application is subject to our approval in Las Vegas, Nevada. Upon approval, we will establish the APRs, fees and amount of your credit line and send you a Credit Card Agreement and your credit card(s). This offer is not transferable.
Credit Card Agreement: You will be deemed to sign the agreement when the first transaction is made on the account. If no transactions are made within ten days after your account is opened, then you will be deemed to sign the agreement unless you close the account. If you do not want to agree to the terms in the agreement, make sure no transactions are made and that you close the account within ten days from when it is opened. The Agreement is governed by the laws of Nevada and the United States and is subject to change. In addition, if your billing address is in the State of Maryland, except to the extent preempted by federal law, title 12, subtitle 9 of the Maryland Commercial Code will apply.
California Residents: Married applicants may apply for separate credit.
Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
Wisconsin Residents: No provision of a marital property agreement, a unilateral statement under section 766.59, or a court decree under section 766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred.
Zero Liability Policy: You are not liable for unauthorized use that is reported to us. Unauthorized use means the use of a credit card by someone other than you who does not have actual, implied or apparent authority for such use and from which you or any member of your family does not receive a direct or indirect benefit. We will follow the requirements of the federal Truth in Lending Act and Nevada law to determine if a charge is unauthorized.
Telephone Numbers: The numbers you provide in your account application will update your personal profile used by the USAA companies. By providing the telephone numbers in your profile, you are giving USAA permission to contact you at these phone numbers about USAA products. You may edit phone numbers in your profile at any time by visiting usaa.com or by calling us.
Arbitration: The Credit Card Agreement has an arbitration clause which states that either you or we can require that certain disputes must be resolved by binding arbitration rather than in a court by a judge or a jury. The arbitration clause may substantially limit or affect your rights, including your right to go to court, to have a trial by jury to conduct discovery, to appeal, and to participate in a class action or any similar proceeding.
IMPORTANT INFORMATION ABOUT TRANSFERRING BALANCES
- You may transfer balances totaling up to your transfer limit. Your transfer limit is equal to 95% of your Credit Limit less any other balances (including pending transactions, interest and fees). We may refuse to process a balance transfer if it would exceed your transfer limit. Balance transfer cannot be made from another USAA credit card account. Please allow up to 4 business days for balance transfers we can process electronically and 7-10 business days for all other balance transfers.
- Please continue to make payments on the unpaid balance of each account according to the terms of the agreement. We cannot close your other account(s) with other issuers, even if you transfer the entire balance. Please contact the issuer of the account for information on how to close that account. Important: If you transfer an amount related to a transaction you dispute, you may lose your rights against the other creditor. Your dispute does not transfer to us.
- There is a transaction fee of 3% of the amount of each balance transfer and each cash advance (including convenience checks). There is no grace period for cash advances or balance transfers. At the end of the promotional period, all unpaid balances receiving the promotional APR will be moved from the promotional balance to your regular cash advance APR balance.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
