USAA / Banking / Credit Cards

A. Rates, Fees, and other Cost Information

Table: Interest Rates and Interest Charges

Regular Annual Percentage Rate (APR) for: Purchases Balance Transfers Cash Advances	6.90% to 23.90% based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate.^{See note 1}
Penalty APR	None
How to Avoid Paying Interest on Purchases	Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.^{See note 2}
Minimum Interest Charge	None
For Credit Card Tips from the Consumer Financial Protection Bureau	To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://consumerfinance.gov/learnmore.

Fees

Annual Fee	None
Transaction Fees
Balance Transfer	3% of the amount of each Balance Transfer.
Cash Advance	3% of the amount of each Cash Advance. Fee waived when transferring funds electronically to a USAA deposit account.
Foreign Transaction	None
Penalty Fees
Late Payment	Up to $35^{See note 3}
Returned Payment	Up to $35^{See note 3}
Over-the-Credit Limit	$0

How We Will Calculate Your Balance: We will use a method called "average daily balance (including new purchases)."

^Note 1 Other than an introductory rate, the APRs may increase or decrease monthly based on the Prime Rate published in The Wall Street Journal. There is no limit on the amount of any increase. Any increase in the APR may increase your minimum payment and amount of interest you pay.

^Note 2 We charge interest (unless the grace period applies) from the date of the transaction until the date you pay us back. There is no grace period for Cash Advances or Balance Transfers.

^Note 3 Late Payment Fee is $25 for the first time late within prior 6 billing periods; otherwise $35. Returned Payment Fee is $25 for first return payment within prior 6 billing periods; otherwise $35. In no event will either fee exceed the minimum payment due on your most recent bill.

New York Residents: For questions, call us at (800) 531-8712. New York residents may contact the New York State Department of Financial Services by calling (800) 342-3736 or by visiting its website, https://www.dfs.ny.gov for free information on comparative credit card rates, fees and grace periods.

B. Other Information

By requesting a USAA credit card account from USAA Savings Bank in Las Vegas, Nevada (referred to as "we," "us" or "our" in this paragraph):

You certify that: (1) you are a U.S. citizen or a permanent resident of the U.S. (2) you are at least 18 years of age; and (3) the information you provide to us is correct and given for the purpose of obtaining credit. You understand that we will rely on this information.
You authorize us to confirm the information you provide to us, retain your application, and open an account for you. You also authorize us to obtain and use consumer credit reports in connection with this application and in reviewing, modifying or collecting any credit extended to you. If you ask, we will tell you if we requested a credit report and give you the name and address of the credit reporting agency. If we no longer offer or you do not qualify for the card requested, you authorize us to consider you for another USAA credit card account.

Your application is subject to our approval in Las Vegas, Nevada. Upon approval, we will establish the APRs, fees and amount of your credit line and send you a Credit Card Agreement and your credit card(s). This offer is not transferable.

Credit Card Agreement: You will be deemed to sign the agreement when the first transaction is made on the account. If no transactions are made within ten days after your account is opened, then you will be deemed to sign the agreement unless you close the account. If you do not want to agree to the terms in the agreement, make sure no transactions are made and that you close the account within ten days from when it is opened. The Agreement is governed by the laws of Nevada and the United States and is subject to change. In addition, if your billing address is in the State of Maryland, except to the extent preempted by federal law, title 12, subtitle 9 of the Maryland Commercial Code will apply.

California Residents: Married applicants may apply for separate credit.

Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Wisconsin Residents: No provision of a marital property agreement, a unilateral statement under section 766.59, or a court decree under section 766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred.

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 or any member of your family does 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.

Telephone Numbers: The numbers you provide in your account application will update your personal profile used by the USAA companies. By providing the telephone numbers in your profile, you are giving USAA permission to contact you at these phone numbers about USAA products. You may edit phone numbers in your profile at any time by visiting usaa.com or by calling us.

Arbitration: The Credit Card Agreement has an arbitration clause which states that either you or we can require that certain disputes must be resolved by binding arbitration rather than in a court by a judge or a jury. The arbitration clause may substantially limit or affect your rights, including your right to go to court, to have a trial by jury to conduct discovery, to appeal, and to participate in a class action or any similar proceeding. If you are a Servicemember or a dependent covered by the protections of the Military Lending Act, the Arbitration provision does not apply to you.

Important Information about Transferring Balances

You may transfer balances totaling up to your transfer limit. Your transfer limit is equal to 95% of your Credit Limit less any other balances (including pending transactions, interest and fees). We may refuse to process a Balance Transfer if it would exceed your transfer limit. Balance Transfers cannot be made from another USAA credit card account. Please allow up to 4 business days for Balance Transfers we can process electronically.
Please continue to make payments on the unpaid balance of each account according to the terms of the agreement. We cannot close your other account(s) with other issuers, even if you transfer the entire balance. Please contact the issuer of the account for information on how to close that account. Important: If you transfer an amount related to a transaction you dispute, you may lose your rights against the other creditor. Your dispute does not transfer to us.
There is a transaction fee of 3% of the amount of each Balance Transfer and each Cash Advance (including Convenience Checks). There is no grace period for Cash Advances or Balance Transfers. At the end of any promotional period that applies, all unpaid balances receiving the promotional APR will be moved from the promotional balance to your Regular Cash Advance APR balance.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.