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USAA Secured American Express® Credit Card

in Personal Credit Cards

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USAA Secured American Express® Credit Card

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in Personal Credit Cards

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Overview

Who is this credit card designed for?

USAA Secured American Express® Credit Card is a secured credit card issued by USAA, which is based in San Antonio, TX.  Secured cards are a type of credit card that is backed by a secured payment, which is used as collateral. These cards are often used by borrowers with poor credit or little credit history to help build their credit.

USAA Secured American Express® Credit Card is designed for people with a credit score of 350 to 700.

This card has a credit limit of $$250 to $5,000 (the credit limit is equal to the deposit amount).

What are the relevant 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 11.4% up to 21.4%.

It also has a variable cash advance APR that ranges from 11.4% up to 21.4%.

Is an introductory APR offer available?

No, USAA Secured American Express® Credit Card does not come with an introductory APR offer for balance transfers.

USAA Secured American Express® Credit Card does not offer an introductory rate on new purchases.

What are the fees?

The following fees apply to USAA Secured American Express® Credit Card:

  • An annual fee of $35. Make sure the rewards and benefits of this card justify the cost of the annual fee.
  • A late payment penalty of $35.
  • A returned payment fee of $35.
  • There is no overlimit fee
  • There are no foreign transaction fees.

Is a rewards program offered?

No, USAA Secured American Express® Credit Card does not offer a rewards program.

Is a signup bonus offered?

USAA Secured American Express® Credit Card doesn't offer a cash signup bonus.

Is an annual loyalty bonus offered?

USAA Secured American Express® Credit Card doesn't offer a cash loyalty bonus.

What additional benefits are offered?

 USAA Secured American Express® Credit Card provides the following benefits:

  • Free Credit Score
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Trip Cancellation Insurance
  • Fraud Liability
  • Price Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Reports to major credit bureaus

Does USAA Secured American Express® Credit Card report your account activity to credit bureaus?

USAA Secured American Express® Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

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

No Fees
Grace Period for Late Payment (Days)
25
Over-Limit Fee
$0
Minimum Interest Charge
$0
Foreign Currency Transaction Fee
0%
No Foreign Transaction Fee
 
List of Fees
Late Payment Penalty
$35
Returned Payment Fee
$35
Annual Fee
$35
Balance Transfer Fee %
3%
Minimum Age
18
Credit Score Range
350 - 700
850 300 700
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Customer Type
Personal
Car Rental Insurance
 
Extended Warranty
 
Fraud Liability
 
Travel Insurance
 
Flight Insurance
 
Lost Luggage 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
  • Trip Cancellation Insurance
Percentage
Purchase APR
(Variable APR)
11.4% - 21.4%
    0% 29%
Percentage
Cash Advance APR
(Variable APR)
11.4% - 21.4%
    8% 28%
Balance Computation
Average daily balance (including new purchases)
Credit Limit
$250 to $5,000 (the credit limit is equal to the deposit amount)
Percentage
Balance Transfer APR
(Variable APR)
11.4% - 21.4%
    8% 29%

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