Best USAA Credit Cards

Military members and their families can get these USAA cards.

Active and retired members of the military and their families can get some of the best credit cards from USAA. If you’re eligible to enjoy services here, then you’ll want to check out the top USAA credit card offers for members of the military.

Best USAA Credit Cards

Different USAA credit cards are useful for different needs. Depending on your situation, you’ll want to consider the following cards:

Best for Cash Back: USAA Preferred Cash Rewards Visa Signature Card

This USAA Visa card offers 1.5 percent cash back on everything with no limits, no categories and no need to opt in. If you want to get the most cash back on every purchase, this is the card for you. Plus, you’ll pay no foreign transaction fees outside the U.S.

USAA Preferred Cash Rewards Visa Signature Card

APR13.65% to 27.65% on purchases, cash advances and balance transfers
Annual Fee$0
Penalty APRNone

Pros:

  • 1.5 percent cash back across the board
  • No annual fee

Cons: 

  • Other cards might offer more cash back on some purchases

Related: Here’s Your USAA Routing Number

Best for Low Interest Rate: USAA Rate Advantage Visa Platinum Credit Card

If you carry a balance, it’s important to shop around for the card with the best interest rate. This USAA Visa card offers one of the lowest interest rates around if you have excellent credit. If you have high-rate balances on other cards, you can transfer them to this card and get the lower rate. You’ll pay no foreign transaction fees for purchases you make outside the U.S.

USAA Rate Advantage Visa Platinum Credit Card

APR8.65% to 25.65% APR on purchases, cash advances and balance transfers
Annual Fee$0
Penalty APRNone

Pros:

  • Good interest rate, even on balance transfers
  • No annual fee
  • Your rate won’t go up if you make a late payment

Cons:

  • No cash back or rewards points

Check Out: 10 Best Military Banks and Credit Unions of 2018

Best for Rewards Points: USAA Rewards American Express Card

For those who use their credit card for everyday use, like eating out or buying gas and groceries, this USAA American Express card will help you rack up the rewards points. You’ll get three points for every dollar spent dining out, two points for every dollar spent on gas and groceries and one point per dollar spent on everything else. Plus, you’ll get 2,500 bonus points when you make your first purchase. There’s no limit to the number of points you can earn, and you can redeem your points for cash, merchandise, travel, gift cards or donations to military affiliate groups.

USAA Rewards American Express Card
APR11.65% to 27.65% APR
Annual Fee$0
Penalty APRNone

Pros:

  • High rewards points
  • Bonus points for your first purchase

Cons: 

  • The interest rate for those with less than great credit is high

USAA credit card benefits are some of the best available, so if you are looking for a new card and you’re eligible, you might want to apply for a USAA card. However, you must be active or retired military or a family member to apply.

Click through to read more about the best credit cards for building credit.

More on Credit Cards

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