Best USAA Credit Cards of 2024
4.9
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On USAA's Website
Up to 3X Reward Rate
Earn 3X points per dollar spent on qualifying travel purchases including flights, vacation rentals and hotels and 2X points onRead More
Welcome Bonus
Earn 30,000 bonus points
Annual Fee
$95
Regular APR
20.15% to 28.40% variable
Credit Score
Good, Excellent
Editor's Take
USAA members can access strong travel and purchase protections, bonus rewards on travel and annual bonus points for booking travel through USAA.
Pros & Cons
- Strong rewards rates
- Annual points bonus
- Global Entry or TSA PreCheck statement credit
- No foreign transaction fees
- Charges an annual fee
- Reduced redemption value for cash back
- Exclusive to USAA members
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 Reimbursem*nt, 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.
Earn 30,000 bonus points ($300 travel value) after spending $3,000 on qualifying purchases within 90 days of account opening
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
4.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On USAA's Website
1.5% Reward Rate
Earn 1.5% cash back on every purchase
Welcome Bonus
None
Annual Fee
$0
Regular APR
17.15% to 31.15% variable
Credit Score
Good,Excellent
Editor's Take
Simple rewards and a well-rounded suite of travel protections make this an essential everyday card and handy travel companion. No annual fees or foreign transaction fees make it that much better.
Pros & Cons
- High rewards rate on every purchase
- Introductory 0% APR on purchases
- Travel protections
- No foreign transaction fees
- No welcome bonus
- No balance transfer promotion
- Exclusive to USAA members
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.
None
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for Dining Out
USAA Rewards™ American Express® Card *
3.6
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 3X Reward Rate
Earn 3X points per dollar spent on dining; 2X points on groceries and gas; 1X on all other purchases.
Welcome Bonus
2,500 bonus points
Annual Fee
$0
Regular APR
15.15% - 31.15% Variable
Credit Score
Good, Excellent(700 - 749)
Editor's Take
This card has gas, dining and groceries as bonus categories, which covers a huge chunk of expenses for many people. If that’s you, there’s also no annual fee and a slew of travel and purchase protections to sweeten the deal.
Pros & Cons
- Earn up to 3 points per dollar on everyday spending
- Introductory 0% APR on balance transfers and convenience checks
- No annual fee
- No foreign transaction fees
- Low welcome offer
- No introductory 0% APR on purchases
- No transparency about point redemption values
- Requires USAA membership
Card Details
- Earn 3X points per dollar spent on dining
- Earn 2X points per dollar spent on gas and groceries
- Earn 1X points for every dollar spent on all other purchases
- Earn 2,500 bonus points after completing your first purchase
- Redeem points for cash, merchandise, gift cards and more
- No annual fee and no foreign transaction fees
Earn 2,500 bonus points after completing your first purchase
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for Balance Transfers
USAA Rewards™ Visa Signature® Credit Card *
3.5
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 2X Reward Rate
Earn 2 points per $1 spent at gas stations and on dining; 1 point per $1 on all other purchases
Welcome Bonus
2,500 bonus points
Annual Fee
$0
Regular APR
15.15% - 31.15% Variable
Credit Score
Fair, Good, Excellent(700 - 749)
Editor's Take
This card’s rewards are so-so, but has an outstanding 0% intro APR for balance transfers and convenience checks. That could help you consolidate debt. There are no annual fees or foreign transaction fees, so you can use it anywhere in the world Visa is accepted.
Pros & Cons
- No annual fee
- No foreign transaction fees
- Welcome bonus: 2,500 bonus points after making a qualifying first purchase
- Solid extra benefits
- Rewards rate isn’t great
- No introductory APR for purchases
- High balance transfer fee
Card Details
- Earn 2 points per dollar spent on gas and dining with no caps
- Earn 1 point for every dollar spent on all other purchases
- Earn 2,500 bonus points after completing your first purchase
- Redeem points for cash, merchandise, gift cards and more
- USAA membership is available to active and former military and their eligible family members
Earn 2,500 bonus points after your first qualifying purchase
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for Gas and On-Base Purchases
USAA Cashback Rewards Plus American Express® Card *
3.5
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 5X Reward Rate
Earn 5% cash back on the first $3,000 in combined gas and military base purchases yearly; 2% cash back onRead More
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
17.15% - 31.15% variable
Credit Score
Fair, Good, Excellent(700 - 749)
Editor's Take
If you qualify to join USAA, this card offers a generous cash-back rate on gas station spending and military base purchases.
Pros & Cons
- No annual fee
- No foreign transaction fees
- Simple cash-back rewards program
- 5% of the amount of each balance transfer
- Bonus rewards are capped
- Membership in USAA a requirement to apply
Card Details
- Earn 5% cash back on the first $3,000 spent in gas and military base purchases annually
- Earn 2% cash back on the first $3,000 spent on supermarket purchases per year
- Earn unlimited 1% cash back on all other purchases
- USAA membership is available to active and former military and their eligible family members
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
3.4
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On USAA's Website
No Rewards
This card does not offer rewards on purchases.
Welcome Bonus
None
Annual Fee
$0
Regular APR
12.15% to 27.15% variable
Credit Score
Good,Excellent
Editor's Take
If you think you’ll carry a balance, the USAA Rate Advantage has one of the lowest ongoing APRs around. There’s also no penalty APR if you have a late payment and no annual fee to worry about.
Pros & Cons
- 0% intro APR for 15 months on balance transfers, then 12.15% to 27.15% variable regular APR
- $0 annual fee
- No foreign transaction fees
- No rewards
- Must be a USAA member or have a family member who is to qualify
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 27.15% 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.
None
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circ*mstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results.
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