USAA Military Affiliate Cards

USAA Military Affiliate Cards Review

This is a cashback card issued by USAA. If you're wondering whether USAA Military Affiliate Cards is the right card for you, read on.

Key Takeaways

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
• Signup bonus. Offers a signup bonus of 2500 points that can be redeemed for travel, gifts, or other perks.
• Competitive APRs. USAA Military Affiliate Cards has a variable purchase APR that ranges from 12.40% up to 27.40%.
• No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
• 3% Balance transfer fee. USAA Military Affiliate Cards charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, price protection, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of USAA Military Affiliate Cards

USAA Military Affiliate Cards FAQ

Does USAA Military Affiliate Cards have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash.

What are the USAA Military Affiliate Cards benefits?

It provides the following benefits:

• Free Credit Score
• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Trip Cancellation Insurance
• Zero fraud liability
• Price Protection
• Travel Accident Insurance
• No blackout dates when redeeming miles
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for USAA Military Affiliate Cards?

USAA Military Affiliate Cards has a variable purchase APR that ranges from 12.40% up to 27.40%. The card has a variable balance transfer APR that ranges from 12.40% up to 27.40%. It also has a variable cash advance APR that ranges from 12.40% up to 27.40%.

What are the fees for USAA Military Affiliate Cards?

The following fees apply:

• There is no overlimit fee

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does USAA Military Affiliate Cards report your account activity to credit bureaus?

Yes, USAA Military Affiliate Cards reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for USAA Military Affiliate Cards

• Visit the USAA Military Affiliate Cards website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.