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Rewards Points Cards

Our cards offer rewards points for the way you spend. Redeem points for travel, cash back, gift cards and more.

NewTravel Rewards Credit Card

USAA Eagle Navigator™ Visa Signature^{See note®} Credit Card

Good news! There is an offer on this card.

Apply now with a USAA Eagle Navigator Visa Signature Credit Card Not a member? Join USAA View details for a USAA Eagle Navigator Visa Signature Credit Card

Unlimited Rewards^{See note2}

3X points on travel including air, hotel, car and vacation rentals, rideshare, tolls and more
2X points on other purchases

Bonus Rewards

Up to $100 TSA PreCheck® or Global Entry® credit every four years^{See note3}
Annual 10,000 bonus points (equals $100 in travel) after booking hotel or car through the USAA Rewards Center^{See note4}

See Reward Terms and Conditions

20.15% to 28.40%* Variable Regular APR

$95 Annual Fee*

*View Rates and Fees

USAA Rewards™ American Express^{See note®} Credit Card

Good news! There is an offer on this card.

Get a 0% intro APR for 15 months on balance transfers and convenience checks that post to your account within 90 days of account opening. After this time, the variable regular APR of 15.15% to 31.15% will apply to these introductory balances. There is a fee of 5% of the amount of each balance transfer and convenience check from account opening.^{See note5}^{See note,} ^{See note6} View rates and fees for more details.*

Apply now for a USAA Rewards American Express Not a member? Join USAA View details with a USAA Rewards American Express

Unlimited Rewards^{See note2}

3X points on dining
2X points on groceries
2X points at gas stations
1X points on other purchases

Bonus Rewards^{See note2}

2,500 bonus points after your first purchase

See Reward Terms and Conditions

15.15% to 31.15%*
Variable Regular APR

No Annual Fee*

*View Rates and Fees

USAA Rewards™ Visa Signature^{See note®} Credit Card

Good news! There is an offer on this card.

Get a 0% intro APR for 15 months on balance transfers and convenience checks that post to your account within 90 days of account opening. After this time, the variable regular APR of 15.15% to 31.15% will apply to these introductory balances. There is a fee of 5% of the amount of each balance transfer and convenience check from account opening.^{See note5}^{See note,}^{See note6} View rates and fees for more details.*

Apply now for a USAA Rewards Visa Signature Not a member? Join USAA View details for a USAA Rewards Visa Signature

Unlimited Rewards^{See note2}

2X points on dining
2X points at gas stations
1X points on other purchases

Bonus Rewards^{See note2}

2,500 bonus points after your first purchase

See Reward Terms and Conditions

15.15% to 31.15%* Variable Regular APR

No Annual Fee*

*View Rates and Fees

Cashback Cards

Keep it simple with a cashback card that has extra earning potential, or choose one that is category-free.

Cashback Rewards Plus American Express® Credit Card

Apply now Not a member? Join USAA View details

Everyday Cash Back^{See note2}

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 other purchases

See Reward Terms and Conditions

17.15% to 31.15%* Variable Regular APR

No Annual Fee*

*View Rates and Fees

Preferred Cash Rewards Visa Signature^{See note®} Credit Card

Good news! There is an offer on this card.

Apply now Not a member? Join USAA View details

Unlimited Cash Back^{See note2}

1.5% cash back on purchases
No category restrictions

See Reward Terms and Conditions

17.15% to 31.15%* Variable Regular APR

No Annual Fee*

*View Rates and Fees

Our Low Rate Card

Take advantage of our lowest interest rate card, whether you're making a purchase or transferring a balance.

USAA Rate Advantage Visa^{See note®} Platinum Credit Card

Good news! There is an offer on this card.

Get a 0% intro APR for 15 months on balance transfers and convenience checks that post to your account within 90 days of account opening. After this time, the variable regular APR of 12.15% to 29.15% will apply to these introductory balances. There is a fee of 5% of the amount of each balance transfer and convenience check from account opening.^{See note5}^{See note,}^{See note6} View rates and fees for more details.*

Apply now Not a member? Join USAA View details

Our Lowest Rate

Pay less in interest if you carry a balance from month to month
The same variable regular APR on purchases, balance transfers and cash advances

12.15% to 29.15%* Variable Regular APR

No Annual Fee*

*View Rates and Fees

Build Credit

A secured credit card could be part of a stronger financial future, helping you build or rebuild your credit.

USAA Secured VISA® Platinum Credit Card

Apply now With a USAA Secured Visa Card Not a member? Join USAA View details for a USAA Secured Visa Card

Your Credit Journey

A Visa^{See note®} credit card — not a prepaid or debit card
A credit limit that could range from $250 to $5,000, backed by an interest-earning security deposit (Opens pop-up)
Credit card activity reported to three main credit bureaus

28.15%*
Variable Regular APR

No Annual Fee*

*View Rates and Fees

USAA Secured American Express® Credit Card

Apply now With a USAA Secured American Express Card Not a member? Join USAA View details for a USAA Secured American Express Card

Your Credit Journey

An American Express^{See note®} credit card — not a prepaid or debit card
A credit limit that could range from $250 to $5,000, backed by an interest-earning security deposit (Opens pop-up)
Credit card activity reported to three main credit bureaus

28.15%*
Variable Regular APR

No Annual Fee*

*View Rates and Fees

Credit Card FAQ

How do credit cards work?

If you're new to using a credit card, here's some general information:

You'll need to apply and be approved for a credit card. Be sure you review a credit card's rates and fees before you apply.
You'll have a credit limit for your card, which is the maximum amount you can charge in transactions, such as purchases and payments. If you go over your credit limit, you could be charged a fee.
When you use credit cards to make purchases or payments, you'll see the transactions listed on your monthly statement. If you don't pay your statement balance in full by the due date, interest will be charged on your remaining balance.

How do I choose a credit card that works for me?

Review all the features of the credit cards you're considering.
Think about credit cards that offer rewards, lower interest rates and other benefits like travel insurance.
Look at the annual percentage rate (APR) and fees for transactions like balance transfers and cash advances. USAA credit cards have the same APR whether you're transferring a balance, getting a cash advance or making a purchase.
Check for an annual fee. This is an amount some cards ask you to pay every year to have the card.

Can I have more than one credit card?

Are USAA credit cards only for the military?

What are the security features of USAA credit cards?

What rewards cards does USAA offer?

USAA offers both cashback and rewards credit cards. Cashback is earned as a percentage of the Qualifying Purchase amount. For example, if your card offers 1% cash back on a $150 purchase, you could earn $1.50 in cash back.

With rewards cards, the number of rewards points earned is based on the dollar amount spent on each Qualifying Purchase. If you have 2X points on gas and spend $50 filling up, you could earn 100 rewards points. The points earned with USAA Accounts can be redeemed for various rewards, including airline travel or merchandise. The value of each point may vary depending on redemption type and, in some instances, may also vary depending on the USAA Accounts you have that earn points.^{See note2}

View USAA Credit Card Agreement Opens New Window (PDF)

Available With:

Note 1 To qualify for a bonus, you must meet the purchase requirements described in the offer. Please allow up to 90 days after the end of the promotion for the bonus to be added to your rewards balance within the USAA Rewards Center. Transactions that are not Qualifying Purchases do not earn rewards and will not apply to purchase requirements of the offer. See the Reward Program Terms and Conditions for more information.

Note 2 You will earn rewards based on your Qualifying Purchases. Qualifying Purchases are the Purchases of products or services that post to your Account, minus any returns, refunds, or other adjustments made with your Account by you or an Authorized User of your Account. Certain restrictions apply, including limitations if your Account becomes delinquent or closed. Transactions that are not Qualifying Purchases do not earn rewards. See the Reward Program Terms and Conditions for more information.

Note 3 Earn a statement credit worth up to $100 every four (4) years when you use an eligible USAA Eagle Navigator™ Visa Signature® Credit Card on your Account to pay the TSA PreCheck® or Global Entry® application or renewal fee. See the Reward Program Terms and Conditions for more information.

Note 4 Earn 10,000 bonus Points once every calendar year after you use an eligible USAA Eagle Navigator™ Visa Signature® Credit Card on your Account to make a single booking through the USAA Rewards Center that (i) includes at least $100 in spend, (ii) includes a hotel, car rental, or both and (iii) redeems a minimum of 100 Points. See the Reward Program Terms and Conditions for more information.

Note 5 After the Introductory period, your Regular APR will apply to these Introductory balances and any new transactions. If you transfer a balance or write a Convenience Check after 90 days from Account opening, we may still honor the Balance Transfer or Convenience Check, but you will not receive the Introductory APR. Instead, the Regular APR will apply. Your Regular APR will apply to Purchases and Cash Advances immediately upon account opening. Your Regular APR will vary with the market based on the Prime Rate. There is a transaction fee of 5% of the amount of each Balance Transfer, Convenience Check and Cash Advance from Account opening. The Cash Advance fee is waived when you transfer funds electronically from your USAA credit card to your USAA Bank deposit account.

Note 6 If you transfer a balance, write a Convenience Check, or take a Cash Advance, we will charge you interest on all new and outstanding Purchases (unless you have an introductory or promotional 0% APR on Purchases) until you pay your entire balance in full, including the amount of any Balance Transfer, Convenience Check or Cash Advance. After that, you will have a grace period on Purchases when you pay your entire statement balance each month by the payment due date.

Note 7 After the introductory period, your variable Regular APR will apply to these introductory balances and any new transactions. Your Regular APR will apply to Balance Transfers, Convenience Checks and Cash Advances immediately upon account opening. Your Regular APR will vary with the market based on the Prime Rate.

Note 8 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 do 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.

All credit cards subject to approval.

There is a transaction fee of 5% of the amount of each Balance Transfer, Convenience Check and Cash Advance. The Cash Advance fee is waived when you transfer funds electronically from your USAA credit card to your USAA Bank deposit account.

If you apply for a USAA Visa Signature® Credit Card and are approved for a credit limit less than $3,000 you'll automatically be issued a USAA Visa® Platinum Credit Card with the same terms and fees. This is not applicable to the USAA Eagle Navigator™ Visa Signature® Credit Card.

Apple Pay^® is a registered trademark of Apple Inc.

Google Pay is a trademark of Google LLC.

Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.

The TSA PreCheck® and Global Entry® trademarks are used with the permission of the U.S. Department of Homeland Security.

The Contactless Indicator and Contactless Symbol are trademarks owned by and used with permission of EMVCo, LLC.

American Express is a federally registered service mark of American Express and is used by USAA Savings Bank pursuant to a license.

Visa is a registered trademark of Visa International Service Association and used under license.

Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change.

Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank. Certificate of deposit for the USAA Secured Credit Card issued by USAA Savings Bank, and serviced by USAA Federal Savings Bank. Other bank products provided by USAA Federal Savings Bank. Both banks Member FDIC.

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Credit Cards

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