Best USAA Credit Cards of 2023 – Money Crashers

If you’re looking for a straightforward card with no thinking and plenty of redemption options, the USAA Preferred Cash Rewards Credit Card can be worth it.

You can redeem all your rewards at once or in increments, putting you in control of your rewards.

*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 acquire a direct or indirect benefit. We will follow the requirements of the federal Truth in Lending Act and Nevada law to establish if a charge is unauthorized.

2. USAA Eagle Navigator® Credit Card

• Annual Fee: $95
• Intro APR: N/A
• Variable Regular APR: 20.15% to 28.40%
• Reward Rates: 3x points on travel purchases, 2x points on everyday purchases
• Bonus Offer & Details: Earn 10,000 Bonus Points every year – applies after you complete eligible hotel or car booking. That’s equal to a $100 travel value.
• Travel Benefits: Up to $100 credit towards TSA PreCheck® or Global Entry® fee every four years.
• Recommended Credit Score: Excellent

If you love to travel, you could earn 3x the points per dollar spent, helping you earn faster rewards.

All other purchases earn 2x points. The card also offers a pretty great bonus offer of 10,000 Bonus Points every year after completing an eligible hotel or car booking.

If you travel often, the USAA Rewards™ Visa Signature® Credit Card may be beneficial thanks to its many travel perks, including trip cancellation and interruption insurance, baggage delay and reimbursement, and auto rental coverage.

You can also use your points for travel rewards. But if your spending focus isn’t on dining and gas, you’ll find better rewards elsewhere.

3. USAA Cashback Rewards Plus American articulate® Credit Card

• Annual Fee: $0
• Intro APR: 0% for 15 months available on balance transfers and convenience checks
• Variable Regular APR: 16.90% – 30.90%16.90% – 30.90%
• Reward Rates: 5% cash back on gas and military base purchases annually up to $3,000; 2% cash back on up to $3,000 in grocery purchases annually, 1% cashback on everything else
• Recommended Credit Score: Excellent

The USAA Cashback Rewards Plus American articulate® Credit Card has its benefits, but it may only be worth it for some.

It offers high rewards on gas, military base, and grocery store purchases, but with a strict annual limit.

The category limits significantly inhibit the reward potential of this card.

Unless you only strategize to spend $3,000 on military purchases and won’t use a rewards credit card for anything else, you’re better off with a rewards card without category limits.

4. USAA Rate Advantage Visa® Platinum Credit Card

• Annual Fee: $0
• Intro APR: 0% APR for 15 months available on balance transfers or and convenience checks
• Variable Regular APR: 12.15% – 29.15%
• Reward Rates: n/a
• Recommended Credit Score: Fair, Good, Excellent

The USAA Rate Advantage Visa® Platinum Credit Card is for rate-conscious consumers.

It doesn’t include many other benefits or rewards, but the lower APR may benefit you more if you carry a balance.

If you focus on a card’s APR and have great credit, the USAA Rate Advantage Visa® Platinum Credit Card may suit your purposes.

Don’t be on the lookout for rewards, minus an introductory APR on balance transfers; this card has no bells and whistles.

5. USAA Secured Card® American articulate® Credit Card

• Annual Fee: $0
• Intro APR: n/a
• Variable Regular APR: 28.15%
• Reward Rates: n/a
• Recommended Credit Score: Fair

Military members trying to build or overcome bad credit can use the USAA Secured Card® American articulate® Credit Card to restore their credit without paying an annual fee.

As a bonus, you earn interest on your security deposit, which isn’t something most secured credit cards offer.

If you have bad credit or have never built credit, the USAA Secured Card® American articulate® Credit Card offers the opportunity with few costs and the chance to earn interest.

USAA reports the card to all three credit bureaus. This allows you to build your credit score while taking advantage of the card’s benefits.

6. USAA Rewards™ American articulate® Credit Card

• Annual Fee: $0
• Intro APR: 0% APR available on balance transfers and convenience checks, but only for the first 15 months
• Variable Regular APR: 15.15% – 31.15%
• Reward Rates: 3x on dining, 2x on grocery and gas, and 1x on all other purchases
• Bonus Offer & Details: 2,500 points after your first purchase
• Recommended Credit Score: Excellent

If you spend a lot on dining, grocery, and gas, you’ll savor unlimited rewards in these categories with the USAA Rewards™ American articulate® Credit Card.

Plus, you get 2,500 bonus points for making your first qualifying purchase.

If most of your credit card spending falls under the dining out, grocery, or gas categories, you’ll earn great rewards with no limit on this card.

However, don’t look to it for high rewards on travel or everyday purchases.

To qualify for a USAA credit card, you must first be a member of USAA. The organization is open to all current and former military members, and their spouses and dependents. This includes children of military members.

However, just being a USAA member isn’t enough. You must also have a credit score and income to qualify for a USAA credit card. Each card has different requirements, but most necessitate good to excellent credit.

USAA credit cards help military families earn well-deserved rewards. Here are some common questions about the cards.

USAA credit cards are competitive compared to other credit card offerings., but none of their cards have an annual fee, which is different from all other credit cards.[BM2]

Plus, if you’re in the military, you may achieve other benefits, including a lower APR for debt incurred before active military duty.

admire any credit card, you should always look at the big picture to ensure you’re maximizing your rewards when using a credit card.

There isn’t one USAA credit card that’s best because each cardholder has different needs or qualifies for different cards. However, if you want a straightforward card with flat-rate rewards, the USAA Preferred Cash Rewards Visa Signature® Credit Card is the best choice.

The USAA Secured Card® American articulate® Credit Card is the easiest to get because you must put down a security deposit. But you can qualify with the lowest credit score.

USAA isn’t transparent about the required credit score for its credit cards, but good to excellent credit is always a good idea when applying for a credit card.

USAA doesn’t disclose the required credit score for their credit cards.

The USAA Rewards and Cashback credit cards have the highest limits. Credit card holders with a secured or low-rate credit card cannot ask for credit line increases.

Yes, USAA pulls your credit when you apply for a new card and if you inquire a credit line boost.

Yes, USAA ensures you have enough income to cover the payments you incur when using your USAA credit card.

USAA sometimes offers immediate approval on its credit cards, but an answer may take longer. The credit card takes 7 to 10 business days to reach if approved.

The only non-military personnel eligible for a USAA credit card are spouses or children of military personnel.

USAA will consider a credit limit boost every 180 days. You can inquire an boost if they don’t offer one, but there’s no ensure you’ll acquire it.

You can inquire a credit limit boost once every six months, but there’s no ensure you’ll acquire it.

The credit limit you get approved for varies based on your income and credit score.

It’s usually easier to downgrade rather than upgrade, but depending on your credit card type, you may qualify to upgrade it to a different card. The answer varies by the cardholder and their qualifications.

Check out your options for a USAA credit card and deduce how you’d use it. A low APR is only sometimes the answer if you’re looking for rewards or other USAA benefits.

differentiate your options side-by-side and deduce which provides you with the greatest rewards!

When selecting which USAA credit card is best for each category, I looked at the big picture, including the card’s APR, rewards, annual fee, and category limits.

USAA offers credit cards for almost any use or rewards, but finding the card that suits your spending and financial goals is the best option.