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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
Annual Fee $0
Purchase APR  (Variable APR) 12.4% - 27.4%
Balance Transfer APR  (Variable APR) 12.90% - 27.90%
Credit Score Range 640 - 850

USAA Military Affiliate Cards Review

USAA Military Affiliate Cards is a cashback credit card issued by USAA. 

This card is designed for people with fair credit. The minimum credit score to apply is 640. 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.

Pros & Cons of USAA Military Affiliate Cards
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Has an introductory APR rate on balance transfers of 0%.
  • Multiple credit card perks.
  • Cardholders can earn rewards on their purchases.
  • Offers auto rental collision damage waiver.
  • Includes emergency support.
  • Extended warranty protection on purchases.
  • Free access to your credit score.
  • Price Protection.
  • Travel Accident Insurance.
  • Travel Assistance.
  • No foreign transaction fee.
  • Earn rewards on every purchase.
  • USAA Military Affiliate Cards reports to multiple credit bureaus.
  • 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 12.4% up to 27.4%. The card has a variable balance transfer APR that ranges from 12.90% up to 27.90%. It also has a variable cash advance APR that ranges from 12.4% up to 27.4%.

    Does USAA Military Affiliate Cards have an introductory APR offer?

    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 does not offer an introductory rate on new purchases.
    USAA Military Affiliate Cards Balance Transfers
    Description
    Balance Transfer APR 12.90% - 27.90%
    Introductory Rate 0%
    Intro APR period (months) 12
    USAA Military Affiliate Cards Rates & Terms
    Description
    Balance Computation Average daily balance (including new purchases)
    Purchase APR 12.4% - 27.4%
    Credit Limit N/A
    Penalty APR N/A
    Cash Advance APR 12.4% - 27.4%
    Introductory Rate N/A
    Intro APR period (months) N/A

    What are the USAA Military Affiliate Cards fees?

    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%
    Balance Transfer Fee 3%
    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

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

    Annual Fee $0
    Foreign Currency Transaction Fee 0%
    Minimum Interest Charge $0
    No Annual Fee  
    No Foreign Transaction Fee  
    No Interest Grace Period for Late Payment 25
    Over-Limit Fee $0
    Balance Transfer Fee % 3%
    Late Fee Amount $35
    Returned Payment Fee $35
    Customer Type Personal
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Military Status
    • Active Duty Military
    • Military Dependent
    • Veterans
    Minimum Age 18
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Card Network
    • American Express
    • Visa
    Card Type
    • Balance Transfer
    • Bonus Offers
    • Cashback
    • Rewards
    • Travel
    Credit Bureau Reporting
    • Equifax
    • Experian
    • TransUnion
    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
    Extended Warranty  
    Flight Insurance  
    Fraud Liability  
    Travel Insurance  
    No Blackout Dates  
    No Reward Expiration Period  
    Rewards Categories
    • Every Purchase
    Signup Bonus (points) 2,500
    Cash Advance APR (Variable APR) 12.4% - 27.4%
    Purchase APR (Variable APR) 12.4% - 27.4%
    Balance Computation Average daily balance (including new purchases)
    Balance Transfer APR (Variable APR) 12.90% - 27.90%
    Intro APR period 12
    Introductory Rate 0%

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