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Best USAA Credit Cards

March 2024

USAA stands for the United Services Automobile Association because it began as an auto insurance company for members of the military. Today, the Texas-based Fortune 500 company offers a wide range of diversified financial services -- including credit cards -- for current and former members of the military and their families.
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USAA offers a selection of seven credit cards. Each one focuses on one major goal, such as rewards, cash back, or low rates. Which one is the best USAA credit card? A lot depends on who is asking and how they plan to use it. Here we summarize the best USAA cards based on SuperMoney's algorithms and community feedback.
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FAQs on USAA Credit Cards

What USAA credit card is best?

It all depends on your lifestyle and how you plan to use your card. However, if you want a cashback credit card, you should probably consider the Cashback Rewards Plus American Express. If a low rate is more important to you, give the USAA Rate Advantage Visa Platinum Card a look.

How long does it take to get a USAA credit card?

It typically takes 7 to 10 business days to get your new card in the mail after it has been mailed.

What credit score do you need for a USAA credit card?

Most of USAA’s cards require a “prime” credit score. The Consumer Financial Protection Bureau considers a FICO score of 660 and up to be “Prime.” While your credit score is a primary tool for evaluation, they consider other factors to evaluate the risk profile of applicants.

Which is the most recommended USAA credit card?

Finding the most recommended USAA credit card is as easy as checking SuperMoney's community rating score. Check the list of best USAA credit cards above for the latest consumer ratings for our top choices.

Does USAA give high credit limits?

USAA has stopped offering limitless credit cards, but you can still qualify a high limit if you have excellent credit. The maximum credit limit across all cards is $50,000.

How do I increase my USAA credit limit?

Cardholders with a USAA Rewards, Cash Rewards, Cashback Rewards, Rate Advantage, or military affiliate credit card can request a credit limit increase by going to their account services page and selecting "Change Credit Limit" in the services column. Note that it will involve a hard pull on your credit report, which will ding your credit score.

Does USAA automatically increase your credit limit?

Usually, USAA will automatically increase your credit limit every 12 months, if you are eligible. Note that USAA doesn't offer credit limit increases for Classic Cards or Secured Cards. You can also ask USAA to stop granting credit limit increases by going to your account services menu and selecting "Stop Automatically Increasing My Credit Limit."

Does USAA credit card cover rental car insurance?

USAA credit card rental car insurance covers physical damage and theft of up to $50,000 per claim. You're only covered if you file your claim within 60 days of the incident. But there are instances, like driving non-general passenger vehicles, that ar

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SuperMoney is the most comprehensive financial services comparison site around. We have published hundreds of personal finance articles and provide detailed reviews on thousands of financial products and services. Our unbiased advice and free comparison tools help consumers make smart financial decisions based on hard data, not marketing gimmicks.

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