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  USAA Military Affiliate Cards

USAA Military Affiliate Cards

in Personal Credit Cards from USAA

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USAA Military Affiliate Cards

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Highlights
Highlights
Balance Transfer APR  (Variable APR) 10.9% - 25.9%
Credit Score Range 640 - 850
Annual Fee $0
Purchase APR  (Variable APR) 10.9% - 25.9%

USAA Military Affiliate Cards Review

USAA Military Affiliate Cards is a cashback credit card issued by USAA. If you're wondering whether USAA Military Affiliate Cards is the right card for you, read on. This is everything you need to know to make a good choice.

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 10.9% up to 25.9%.
  • No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your 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 up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees.
  • $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, price protection, travel accident insurance, travel assistance, and fraud protection.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 640.

USAA Military Affiliate Cards Pros and Cons:

The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty and price protection on purchases.
  • Free access to your credit score.
  • Travel accident and travel assistance insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on every purchase.
  • Earn rewards on every purchase.
  • USAA Military Affiliate Cards reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Charges a 3% balance transfer fee.

Is there a USAA Military Affiliate Cards cash back or rewards program?

USAA Military Affiliate Cards is a cashback card. This means you earn a percentage of your purchase as a cash reward. With USAA Military Affiliate Cards you receive 1% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash.

USAA Military Affiliate Cards Rewards
Rewards rate (all purchases) 1%
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A
Signup Bonus (Points/Miles) 2500

Does USAA Military Affiliate Cards have a signup bonus?

USAA Military Affiliate Cards doesn't offer a cash signup bonus. However, it does include a 2500 points signup bonus that can be redeemed for travel, gifts, or other perks.

Does USAA Military Affiliate Cards offer an annual loyalty bonus?

USAA Military Affiliate Cards doesn't offer a cash loyalty bonus.

What are the USAA Military Affiliate Cards benefits?

USAA Military Affiliate Cards provides the following benefits:

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

What are the relevant APRs for USAA Military Affiliate Cards?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. USAA Military Affiliate Cards has lower than average purchase APRs.

USAA Military Affiliate Cards has a variable purchase APR that ranges from 10.9% up to 25.9%. The card has a variable balance transfer APR that ranges from 10.9% up to 25.9%. It also has a variable cash advance APR that ranges from 10.9% up to 25.9%.

Does USAA Military Affiliate Cards have an introductory APR offer on balance transfers?

Yes, USAA Military Affiliate Cards offers an introductory APR rate on balance transfers of 0% for a period of up to 12 months.

USAA Military Affiliate Cards Balance Transfers
Description
Balance Transfer APR 10.9% - 25.9%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period (months) 12
Balance Transfer Fee % 3%
Balance Transfer Fee % After Intro Period N/A
Balance Transfer Fee Intro Period (days) N/A
Balance Transfer Fee Minimum N/A

Does USAA Military Affiliate Cards have an introductory APR offer on new purchases?

USAA Military Affiliate Cards does not offer an introductory rate on new purchases.
USAA Military Affiliate Cards Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for USAA Military Affiliate Cards?

The following fees apply to USAA Military Affiliate Cards:

  • There is no overlimit fee
USAA Military Affiliate Cards Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee $35
Late Payment Fee $35

Does USAA Military Affiliate Cards have a foreign transaction fee?

USAA Military Affiliate Cards does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

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

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 can help improve your credit score.

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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.

USAA MILITARY AFFILIATE CARDS Disclosure: (note 1) Offer subject to approval. APRs will vary with the market based on the Prime Rate. There is a balance transfer fee of 3% of the amount of each balance transfer and each convenience check (maximum $200 per transfer/check). There is no grace period on Cash Advances or Balance Transfers. Rates and fees subject to change. (note 2) You will earn Reward Points based on your Qualifying Purchases. The number of Rewards Points you will earn is doubled when you make Qualifying Purchases of Groceries and Qualifying Purchases of Gas. Businesses are generally put into merchant categories according to what they primarily sell. Although a merchant (or the goods or services it sells) may appear to fit in a gasoline or grocery category, American Express may classify the merchant differently. Certain restrictions apply, including limitation if your Account balance becomes delinquent of closed. See your USAA Rewards™ Program Terms and Conditions, which will be provided with your card, for more information. American Express is a federally registered service mark of American Express and is used by USAA Savings Bank pursuant to a license.
SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Every Purchase (Points) 1X points on every purchase
Foreign Currency Transaction Fee 0%
No Annual Fee  
No Foreign Transaction Fee  
Annual Fee $0
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee (%) 3%
Returned Payment Fee $35
Late Fee Amount $35
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 640 - 850
Card Type
  • Balance Transfer
  • Bonus Offers
  • Cashback
  • Rewards
  • Travel
Card Network
  • American Express
  • Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Flight Insurance  
Travel Insurance  
Fraud Liability  
Extended Warranty  
Car Rental Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
  • Price Protection
  • Travel Accident Insurance
  • Travel Assistance
Bonus Rewards 2,500 bonus points after your first purchase
No Reward Expiration Period  
No Blackout Dates  
Rewards Categories Every Purchase
Signup Bonus (points) 2,500
Rewards Type Points
Cash Advance APR (Variable APR) 10.9% - 25.9%
Balance Computation Average daily balance (including new purchases)
Purchase APR (Variable APR) 10.9% - 25.9%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 10.9% - 25.9%
Balance Transfer Fee % 3%

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