Choose the card that's right for you.

USAA Rate Advantage Visa®

Get the Lowest APR We OfferSee note

Regular APR: 7.40% to 24.40% based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate.

Balance Transfer: 3% of the amount of each transfer (maximum fee per transfer $200).

Cash Advance: 3% of the amount of each cash advance (maximum fee for each convenience check: $200). Fee waived when transferring funds electronically to a USAA deposit account.

Penalty Fees: Up to $35 for Late & Returned payment $0 Over-the-Credit Limit

Benefits:

Has Special Military Benefits*

Cards include $0 liability protection from unauthorized charges.

Get text message alerts for new charges, credit limit changes and payment reminders.

Manage your account from a mobile device or on usaa.com.

Enjoy no foreign transaction fees when you travel outside of the United States.

Cashback Rewards Plus American Express®

Earn cash back on everyday purchases.

Variable APR: 12.40% to 26.40% APR Same Rate on Purchases, Cash and Transfers

Balance Transfer/Cash Advance Fee: Up to 3%

Penalty APR: None

Annual Fee: $0

Benefits:

Enjoy no foreign transaction fees when you travel outside of the United States.

Concierge services to assist with whatever you need, whenever you need it.

Collision damage waiver coverage pays for physical damage and theft to most rental vehicles.

Identity theft resolutions services provides assistance should you become the victim of identity theft.

Extended warranty extends your manufacturers or U.S. store brand warranties for up to one year.

Preferred Cash Rewards Visa Signature®

Easy, Unlimited 1.5% Cash Back

Variable APR:12.40% to 26.40% APR Same Rate on Purchases, Cash and Transfers

Balance Transfer/Cash Advance Fee: Up to 3%

Penalty APR: None

Annual Fee: $0

Benefits:

Earn 1.5% cash back on every purchase.

Redeem your cash rewards anytime using your mobile device or computer.

There's no limit on the amount you can earn.

USAA Classic American Express®

Get a card that can help improve your credit.

Variable APR:18.40% to 24.40% APR

Balance Transfer/Cash Advance Fee: Up to 3%

Penalty APR: None

Annual Fee: $35

Benefits:

Enjoy no foreign transaction fees when you travel outside of the United States.

Collision damage waiver coverage pays for physical damage and theft to most rental vehicles.

Identity theft resolutions services provides assistance should you become the victim of identity theft.

Extended warranty extends your manufacturers or U.S. store brand warranties for up to one year.

USAA Secured Card American Express®

Build, rebuild or improve your credit score.

Variable APR: 10.40% and 20.40% APR Same Rate on Purchases, Cash and Transfers

Balance Transfer/Cash Advance Fee: Up to 3%

Penalty APR: None

Annual Fee: $35

Benefits:

A real credit card — not a prepaid or debit card, that helps you build or improve your credit score.

When you apply — you'll also open a USAA Bank 2-year Certificate of Deposit (CD) (Opens pop-up layer), an interest-earning deposit account with a $250-minimum initial deposit.

CD is a security deposit — the money you put in upfront, from $250 to $5,000, is the card's credit limit.

Earn interest on CD — deposit is guaranteed to grow. Plus the money is yours to keep as long as you don't default on your payments.

As you use your card you could improve your credit when you avoid going over your limit and make payments on time.

USAA Rewards™ Visa Signature®

Earn points on everyday purchases.

Variable APR: 10.40% to 26.40% APR

Balance Transfer/Cash Advance Fee: Up to 3%

Penalty APR: None

Annual Fee: $35

Benefits:

Earn one point for every dollar spent on your everyday purchases.

Get 2,500 bonus points with your first purchase.

Earn points without a cap or expiration.

Redeem your points for cash, merchandise, gift cards, travel or donate to your favorite military affiliate group.

Redeem for cash on your mobile device — it's easy!

USAA Classic Visa Platinum®

Get a card that can help improve your credit.

Variable APR: 18.40% to 24.40% APR

Balance Transfer/Cash Advance Fee: Not Available

Penalty APR: None

Annual Fee: $35

Benefits:

Enjoy no foreign transaction fees when you travel outside of the United States.

Collision damage waiver coverage pays for physical damage and theft to most rental vehicles.

Identity theft resolutions services provides assistance should you become the victim of identity theft.

Extended warranty extends your manufacturers or U.S. store brand warranties for up to one year.

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Get up to $1,250 as soon as the next business day!

Extra cash is blowing in.

Flexible repayment terms. No early payment penalty.

Fast funding directly into your account.

Easy to understand online application process.

Personalized service with friendly representatives.

More cash at a lower rate for VIPs.