USAA credit cards
Serves military members, veterans and families, with military-friendly rates and benefits.
About USAA
USAA is a membership-based financial services company for military members, veterans and their families, best known in cards for member-focused rates and benefits. Its lineup includes the USAA Preferred Cash Rewards Visa Signature, the USAA Eagle Navigator Visa Signature, the USAA Rate Advantage Platinum Visa and a USAA Secured Visa Platinum card, with banking and cards provided through USAA Federal Savings Bank.
USAA suits you if you or a family member is eligible and you want a card from the same company you bank or insure with, with support built around military life. Membership is free, and you do not need to own a product to keep it. The limitation: only eligible people can join, so civilians with no qualifying military connection cannot get USAA cards, and its rewards lineup is smaller than those of the big travel issuers.
Notable USAA cards
- USAA Preferred Cash Rewards Visa Signature
- USAA Eagle Navigator Visa Signature
- USAA Rate Advantage Platinum Visa
Approval rules and tips
Membership limited to eligible military members, veterans and families.
- Confirm eligibility first: active duty, National Guard and Reserve, honorably served veterans, contracted cadets and midshipmen, officer candidates, and spouses and children of USAA members can join.
- Membership is free and you do not need to own a product to join.
- USAA offers a Secured Visa Platinum card if you are building or rebuilding credit.
How to apply for a USAA card
Become a USAA member first, then apply at usaa.com or in the USAA Mobile App. Joining is free but requires showing eligibility, such as military service or being the spouse or child of a member. Once you are a member, the card application asks for your Social Security number, income, employment details and housing costs, and it involves a credit check before a decision.
Customer service: www.usaa.com
USAA FAQs
What credit cards does USAA offer?
USAA's notable cards include USAA Preferred Cash Rewards Visa Signature, USAA Eagle Navigator Visa Signature, USAA Rate Advantage Platinum Visa. See the cards we review below for fees, rewards and APRs.
Does USAA have special approval rules?
Membership limited to eligible military members, veterans and families.
How do I apply for a USAA credit card?
Apply on www.usaa.com. Check any pre-qualification tool first — it uses a soft inquiry that does not affect your credit score.
How do I activate a new USAA card?
See our step-by-step guide to activating a USAA credit card — online, in the app or by phone.
Who can join USAA?
USAA membership is open to active-duty military, National Guard and Reserve members, veterans who served honorably, contracted cadets and midshipmen, officer and warrant officer candidates, and the spouses and children of USAA members. Membership is free, and you do not have to own a product to keep it.
Does USAA offer a secured credit card?
Yes. USAA offers a Secured Visa Platinum Credit Card for members who are building or rebuilding credit. A secured card uses a refundable deposit to set your limit, and on-time payments can help you qualify for USAA's unsecured cards over time. Check USAA's current terms for deposit and fee details.
Is USAA a bank?
USAA is a membership-based financial services group, and its banking products and credit cards come through USAA Federal Savings Bank. That lets members keep insurance, banking and cards with one company. Card applications, statements and customer service are handled through the same USAA login and app.