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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
Purchase APR  (Variable APR) 12.40% - 27.40%
Balance Transfer APR  (Variable APR) 12.40% - 27.40%
Credit Score Range 650 - 850
Annual Fee $0

USAA Military Affiliate Cards Review

This 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 review will provide you with with all the details you need 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 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 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 rental insurance, emergency support, extended warranty protection on purchases, identity theft protection, price protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
  • Fair or better credit required. You will have good approval oods if your credit score is above650.
Pros & Cons of USAA Military Affiliate Cards
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.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • USAA Military Affiliate Cards reports to multiple credit bureaus.
  • Charges a 3% balance transfer fee.
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.

USAA Military Affiliate Cards Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus (Points/Miles) 2500

Does USAA Military Affiliate Cards have a signup bonus?

This card 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?

This card doesn't offer a cash loyalty bonus.

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?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It 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%.

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

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.

USAA Military Affiliate Cards Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 12.40% - 27.40%
Balance Transfer Fee % 3%

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

This card does not offer an intro APR rate on new purchases.

What are the fees for USAA Military Affiliate Cards?

The following fees apply:

  • 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 up to $35
Late Payment Fee up to $35

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 have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for USAA Military Affiliate Cards?

The USAA Military Affiliate Cards customer service number is (210) 531-8722.

What is the support contact email for USAA Military Affiliate Cards?

The support contact email for USAA Military Affiliate Cards is info@usaa.com.

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.

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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 7:00am - 9:00pm
  • Tuesday 7:00am - 9:00pm
  • Wednesday 7:00am - 9:00pm
  • Thursday 7:00am - 9:00pm
  • Friday 7:00am - 9:00pm
  • Saturday 8:30am - 5:00pm

Other Services by USAA

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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

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 Up to $35
Late Fee Amount Up to $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
  • Non-Military
  • Veterans
  • Military Dependent
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 650 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
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
  • Trip Cancellation Insurance
No Reward Expiration Period
No Blackout Dates
Rewards Categories
  • Points on Every Purchase
Signup Bonus (points) 2,500
Cash Advance APR (Variable APR) 12.40% - 27.40%
Balance Computation Average daily balance (including new purchases)
Purchase APR (Variable APR) 12.40% - 27.40%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 12.40% - 27.40%
Balance Transfer Fee % 3%
Card Type
  • Balance Transfer
  • Bonus Offers
  • Cashback
  • Rewards
  • Travel
Card Network
  • American Express
  • Visa

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