USAA Secured American Express® Credit Card is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs.
Last Updated: 07/28/2025
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USAA Secured American Express® Credit Card
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Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
11.4% - 21.4%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
11.15% - 21.15%(Verified 06/21/2024)
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Credit Score Range
350 - 700
Annual Fee
$35
USAA Secured American Express® Credit Card Review
USAA Secured American Express® Credit Card is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs. |
This is a secured credit card issued by USAA Federal Savings Bank. If you're wondering whether USAA Secured American Express® Credit Card is the right card for you, read on.
Key Takeaways
- APRs: USAA Secured American Express® Credit Card has a variable regular purchase APR that ranges from 11.4% up to 21.4%.
- A 3% balance transfer fee. USAA Secured American Express® Credit Card 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.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
- 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.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of USAA Secured American Express® Credit Card
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USAA Secured American Express® Credit Card FAQ
Does USAA Secured American Express® Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Free Credit Score
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Trip Cancellation Insurance
- Zero fraud liability
- Price Protection
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for USAA Secured American Express® Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.USAA Secured American Express® Credit Card has a variable purchase APR that ranges from 11.4% up to 21.4%. The card has a variable balance transfer APR that ranges from 11.15% up to 21.15%. It also has a variable cash advance APR that ranges from 11.4% up to 21.4%.
Does USAA Secured American Express® Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does USAA Secured American Express® Credit Card 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 Secured American Express® Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $35.
There is a late fee of up to $35 . Does USAA Secured American Express® Credit Card 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 Secured American Express® Credit Card?
The customer service number for USAA Secured American Express® Credit Card is (800) 531-8722.
What is the support contact email for USAA Secured American Express® Credit Card?
The support contact email for USAA Secured American Express® Credit Card is info@usaa.com.
How do people rate the customer service and user experience of USAA Secured American Express® Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does USAA Secured American Express® Credit Card report your account activity to credit bureaus?
Yes, USAA Secured American Express® Credit Card reports to the following credit bureaus:
- 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 build your credit.
Does USAA Federal Savings Bank perform a hard credit pull?
Yes, USAA Secured American Express® Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for USAA Secured American Express® Credit Card
- Visit the website of USAA Secured American Express® Credit Card.
- 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.
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