Reward Points Credit Cards

    Our credit cards offer reward points for the way you spend. Redeem points for travel, cash back, gift cards and more.

    USAA Eagle Navigator™ Visa Signature® Credit Card

    Special Offer

    Earn 30,000 bonus points after spending $3,000 on qualifying purchases within 90 days of account opening.see note 2

    Special Offer

    Earn 30,000 bonus points after spending $3,000 on qualifying purchases within 90 days of account opening.see note 2

    Special Offer

    Earn 30,000 bonus points after spending $3,000 on qualifying purchases within 90 days of account opening.see note 2

    Benefits and Features

    Unlimited Rewardssee note 1

    • 3X points on travel and transit including air, hotel, car and vacation rentals, rideshare, tolls and more
    • 2X points on other purchases

    Bonus Rewards

    • Get a one-time $95 statement credit when you make your first purchase within 90 days of account openingsee note 3
    • Up to $120 TSA PreCheck® or Global Entry® credit every four yearssee note 4
    • Annual 10,000 bonus points (equals $100 in travel) after booking hotel or car through the USAA Rewards Centersee note 5
    See Reward Terms and Conditions

    Rates and Fees

    19.40% to 27.65%*

    Variable Regular Annual Percentage Rate

    $95 Annual Fee*

    *View Rates and Fees

    USAA Rewards™ American Express® Credit Card

    Special Offer

    No offer at this time

    Special Offer

    No offer at this time

    Benefits and Features

    Unlimited Rewardssee note 1

    • 3X points on dining
    • 2X points on groceries
    • 2X points at gas stations
    • 1X points on other purchases

    Bonus Rewardssee note 1

    • 2,500 bonus points after your first purchase
    See Reward Terms and Conditions

    Rates and Fees

    14.40% to 28.40%*

    Variable Regular Annual Percentage Rate

    No Annual Fee*

    *View Rates and Fees

    USAA Rewards™ Visa Signature® Credit Card

    Special Offer

    No offer at this time

    Special Offer

    No offer at this time

    Benefits and Features

    Unlimited Rewardssee note 1

    • 2X points on dining
    • 2X points at gas stations
    • 1X points on other purchases

    Bonus Rewardssee note 1

    • 2,500 bonus points after your first purchase
    See Reward Terms and Conditions

    Rates and Fees

    14.40% to 28.40%*

    Variable Regular Annual Percentage Rate

    No Annual Fee*

    *View Rates and Fees

    Cash Back Credit Cards

    Keep it simple with a cash back credit card that has extra earning potential, or choose one that is category-free.

    Cashback Rewards Plus American Express® Credit Card

    Special Offer

    0% Intro Annual Percentage Rate for 15 months on balance transfers and convenience checks that post to your account within 90 days of account opening, thereafter 16.40% to 28.40% variable regular Annual Percentage Rate will apply to introductory balances.

    Transaction fee of 5%.see note 6,see note 7

    View rates and fees for more details.*

    Special Offer

    0% Intro Annual Percentage Rate for 15 months on balance transfers and convenience checks that post to your account within 90 days of account opening, thereafter 16.40% to 28.40% variable regular Annual Percentage Rate will apply to introductory balances.

    Transaction fee of 5%.see note 6,see note 7

    View rates and fees for more details.*

    Special Offer

    0% Intro Annual Percentage Rate for 15 months on balance transfers and convenience checks that post to your account within 90 days of account opening, thereafter 16.40% to 28.40% variable regular Annual Percentage Rate will apply to introductory balances.

    Transaction fee of 5%.see note 6,see note 7

    View rates and fees for more details.*

    Benefits and Features

    Everyday Cash Backsee note 1

    • 5% cash back on your first $3,000 in combined gas station and military base purchases yearly
    • 2% cash back on your first $3,000 in grocery purchases yearly
    • Unlimited 1% cash back on other purchases
    See Reward Terms and Conditions

    Rates and Fees

    16.40% to 28.40%*

    Variable Regular Annual Percentage Rate

    No Annual Fee*

    *View Rates and Fees
    Important information: If you transfer a balance or write a convenience check to take advantage of the introductory rate offer, you will immediately incur interest on purchases until you pay your balance in full, including any transferred balances.see note 7

    Preferred Cash Rewards Visa Signature® Credit Card

    Special Offer

    Earn a $200 reward bonus after spending $1,000 on qualifying purchases within 90 days of account opening.see note 2

    Special Offer

    Earn a $200 reward bonus after spending $1,000 on qualifying purchases within 90 days of account opening.see note 2

    Special Offer

    Earn a $200 reward bonus after spending $1,000 on qualifying purchases within 90 days of account opening.see note 2

    Benefits and Features

    Unlimited Cash Backsee note 1

    • 1.5% cash back on purchases
    • No category restrictions
    See Reward Terms and Conditions

    Auto Deductible Reimbursementsee note 8

    • You can qualify to get reimbursed up to $200 of your auto policy deductible when you experience a covered loss, if you make a minimum of 8 purchases in the prior calendar month
    See ADR Benefit Guide

    Rates and Fees

    16.40% to 28.40%*

    Variable Regular Annual Percentage Rate

    No Annual Fee*

    *View Rates and Fees

    Our Low Rate Credit Card

    Take advantage of our lowest interest rate credit card, whether you're making a purchase or transferring a balance.

    USAA Rate Advantage Visa® Platinum Credit Card

    Special Offer

    0% Intro Annual Percentage Rate for 15 months on balance transfers and convenience checks that post to your account within 90 days of account opening, thereafter 11.40% to 25.40% variable regular Annual Percentage Rate will apply to introductory balances.

    Transaction fee of 5%.see note 6,see note 7

    View rates and fees for more details.*

    Special Offer

    0% Intro Annual Percentage Rate for 15 months on balance transfers and convenience checks that post to your account within 90 days of account opening, thereafter 11.40% to 25.40% variable regular Annual Percentage Rate will apply to introductory balances.

    Transaction fee of 5%.see note 6,see note 7

    View rates and fees for more details.*

    Special Offer

    0% Intro Annual Percentage Rate for 15 months on balance transfers and convenience checks that post to your account within 90 days of account opening, thereafter 11.40% to 25.40% variable regular Annual Percentage Rate will apply to introductory balances.

    Transaction fee of 5%.see note 6,see note 7

    View rates and fees for more details.*

    Benefits and Features

    Our Lowest Rate

    • Pay less in interest if you carry a balance from month to month
    • The same variable regular Annual Percentage Rate on purchases, balance transfers and cash advances

    Rates and Fees

    11.40% to 25.40%*

    Variable Regular Annual Percentage Rate

    No Annual Fee*

    *View Rates and Fees
    Important information: If you transfer a balance or write a convenience check to take advantage of the introductory rate offer, you will immediately incur interest on purchases until you pay your balance in full, including any transferred balances.see note 7

    Build Credit

    A secured credit card could be part of a stronger financial future, helping you build or rebuild your credit.

    USAA Secured Visa® Platinum Credit Card

    Special Offer

    No offer at this time

    Special Offer

    No offer at this time

    Benefits and Features

    Your Credit Journey

    • A Visa® credit card — not a prepaid or debit card
    • A credit limit that could range from $250 to $5,000, backed by an interest-earning
    • Credit card activity reported to three main credit bureaus
    • If you use your card responsibly, you may qualify for an upgrade to an unsecured USAA credit card.

    Rates and Fees

    27.40%*

    Variable Regular Annual Percentage Rate

    No Annual Fee*

    *View Rates and Fees

    USAA Secured American Express® Credit Card

    Special Offer

    No offer at this time

    Special Offer

    No offer at this time

    Benefits and Features

    Your Credit Journey

    • An American Express® credit card — not a prepaid or debit card
    • A credit limit that could range from $250 to $5,000, backed by an interest-earning
    • Credit card activity reported to three main credit bureaus
    • If you use your card responsibly, you may qualify for an upgrade to an unsecured USAA credit card.

    Rates and Fees

    27.40%*

    Variable Regular Annual Percentage Rate

    No Annual Fee*

    *View Rates and Fees

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    Credit Card FAQ

    If you're new to using a credit card, here's some general information:
    • You'll need to apply and be approved for a credit card. Be sure you review a credit card's rates and fees before you apply.
    • You'll have a credit limit for your card, which is the maximum amount you can charge in transactions, such as purchases and payments. If you go over your credit limit, you could be charged a fee.
    • When you use credit cards to make purchases or payments, you'll see the transactions listed on your monthly statement. If you don't pay your statement balance in full by the due date, interest will be charged on your remaining balance.

    Available with:

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