USAA Credit Cards

The United Services Automobile Association (USAA) is an American financial services company providing banking and insurance services to past and present members of the Armed Forces, officers and enlisted, and their families.

Credit CardsPurchase APRTransfer InfoAnnual Fee Credit Level
USAA Eagle Navigator® Credit Card

19.65% to 27.90% Variable APR

rates & fees

19.65% to 27.90% Variable APR

$95

Good / ExcellentApply NowView Card Details
  • Must be a USAA® member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
  • Intro Offer: Earn 30,000 bonus points ($300 travel value) after spending $3,000 on qualifying purchases within 90 days of account opening.
  • 3X points on travel purchases - triple your points on tolls, rideshares, hotels, vacation rentals, flights and more.
  • 2X points on everyday purchases - double your points on groceries, gas, dining, bills and more.
  • Earn a one-time $95 statement credit when you make your first purchase within 90 days of account opening.
  • Earn 10,000 bonus points every year - applies after you complete eligible hotel or car booking. That's equal to a $100 travel value.
  • Up to $120 credit towards TSA PreCheck® or Global Entry® fee every four years.
  • Enjoy valuable travel benefits and protection, including Auto Rental Coverage, Travel Accident Coverage, Trip Interruption Coverage, Baggage Delay Reimbursement, Purchase Security and Cell Phone Protection.
  • No foreign transaction fees.
  • Points never expire for the life of the account and there are no spend caps on point earning.
  • Redeem points your way, on your schedule.
  • A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies.
  • 19.65% to 27.90% variable regular APR.
  • $95 annual fee.
  • See Rates and Fees for details.
  • Terms and Restrictions apply. See the Guide to Benefits and Reward Terms and Conditions on USAA's website for details.
USAA Preferred Cash Rewards Credit Card

16.65% to 28.65% variable APR

rates & fees

16.65% to 28.65% variable APR

$0

Good, ExcellentApply NowView Card Details
  • Must be a USAA® member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
  • Earn unlimited 1.5% cash back on purchases, no category restrictions, no caps on cash back.
  • Intro Offer: Earn a $200 reward bonus when you spend $1,000 on qualifying purchases within 90 days of account opening.
  • Auto Deductible Reimbursement (up to $200).
  • A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies.
  • No annual fee.
  • Cash back rewards never expire.
  • Redeem cash back your way, on your schedule.
  • No foreign transaction fees.
  • 16.65% to 28.65% variable regular APR.
  • Terms and Restrictions apply. See the Reward Terms and Conditions and the ADR Benefit Guide on USAA's website for details.
  • See Rates and Fees for details.
USAA Rate Advantage Credit Card

11.65% to 25.65% variable APR

rates & fees

0% intro APR
for 15 months

11.65% to 25.65% variable APR after that

$0

Good, ExcellentApply NowView Card Details
  • Must be a USAA® member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
  • Intro Offer: Get a 0% intro APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening. After this time, the variable regular APR of 11.65% to 25.65% will apply to introductory balances.
  • A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies. 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.
  • No annual fee.
  • No foreign transaction fees.
  • See Rates and Fees for details.
  • Must be a USAA® member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
  • Intro Offer: Earn 30,000 bonus points ($300 travel value) after spending $3,000 on qualifying purchases within 90 days of account opening.
  • 3X points on travel purchases - triple your points on tolls, rideshares, hotels, vacation rentals, flights and more.
  • 2X points on everyday purchases - double your points on groceries, gas, dining, bills and more.
  • Earn a one-time $95 statement credit when you make your first purchase within 90 days of account opening.
  • Earn 10,000 bonus points every year - applies after you complete eligible hotel or car booking. That's equal to a $100 travel value.
  • Up to $120 credit towards TSA PreCheck® or Global Entry® fee every four years.
  • Enjoy valuable travel benefits and protection, including Auto Rental Coverage, Travel Accident Coverage, Trip Interruption Coverage, Baggage Delay Reimbursement, Purchase Security and Cell Phone Protection.
  • No foreign transaction fees.
  • Points never expire for the life of the account and there are no spend caps on point earning.
  • Redeem points your way, on your schedule.
  • A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies.
  • 19.65% to 27.90% variable regular APR.
  • $95 annual fee.
  • See Rates and Fees for details.
  • Terms and Restrictions apply. See the Guide to Benefits and Reward Terms and Conditions on USAA's website for details.
  • Must be a USAA® member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
  • Earn unlimited 1.5% cash back on purchases, no category restrictions, no caps on cash back.
  • Intro Offer: Earn a $200 reward bonus when you spend $1,000 on qualifying purchases within 90 days of account opening.
  • Auto Deductible Reimbursement (up to $200).
  • A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies.
  • No annual fee.
  • Cash back rewards never expire.
  • Redeem cash back your way, on your schedule.
  • No foreign transaction fees.
  • 16.65% to 28.65% variable regular APR.
  • Terms and Restrictions apply. See the Reward Terms and Conditions and the ADR Benefit Guide on USAA's website for details.
  • See Rates and Fees for details.
  • Must be a USAA® member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
  • Intro Offer: Get a 0% intro APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening. After this time, the variable regular APR of 11.65% to 25.65% will apply to introductory balances.
  • A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies. 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.
  • No annual fee.
  • No foreign transaction fees.
  • See Rates and Fees for details.
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