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

20.15% to 28.40% Variable APR

rates & fees

20.15% to 28.40% Variable APR

$95

Good / Excellent CreditApply 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 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 $100 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.
  • $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

0% intro APR
for 15 months

17.15% to 31.15% Variable APR after that

rates & fees

17.15% to 31.15% Variable APR

$0

Good, Excellent CreditApply 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: Get a 0% intro APR for 15 months on purchases. After this time, the variable regular APR of 17.15% to 31.15% will apply to these introductory balances.
  • 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.
  • See Rates and Fees for details.
USAA Rate Advantage Credit Card

12.15% to 29.15% Variable APR

rates & fees

0% intro APR
for 15 months

12.15% to 29.15% Variable APR after that

$0

Good, Excellent CreditApply 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 12.15% to 29.15% will apply to introductory balances.
  • A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies.
  • Take advantage of USAA's lowest interest rate card, whether you're making a purchase or transferring a balance.
  • Pay less in interest if you carry a balance from month to month.
  • Enjoy the same low variable regular APR on purchases, balance transfers, and cash advances.
  • 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 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 $100 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.
  • $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: Get a 0% intro APR for 15 months on purchases. After this time, the variable regular APR of 17.15% to 31.15% will apply to these introductory balances.
  • 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.
  • 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 12.15% to 29.15% will apply to introductory balances.
  • A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies.
  • Take advantage of USAA's lowest interest rate card, whether you're making a purchase or transferring a balance.
  • Pay less in interest if you carry a balance from month to month.
  • Enjoy the same low variable regular APR on purchases, balance transfers, and cash advances.
  • No annual fee.
  • No foreign transaction fees.
  • See Rates and Fees for details.
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