USAA Secured American Express® Credit Card Review

USAA Secured American Express® Credit Card is a secured credit card credit card issued by USAA. 

Secured cards are credit cards that require a refundable deposit before you qualify for a line of credit. These cards are often used to build the credit of consumers with with poor credit or little credit history.

Good for building credit. This card is designed to help you build your credit. So you may qualify even if you have limited or poor credit. The minimum credit score to apply is 350.

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

If you're wondering whether USAA Secured American Express® Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Is there a USAA Secured American Express® Credit Card cash back or rewards program?

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

USAA Secured American Express® Credit Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A

What are the USAA Secured American Express® Credit Card benefits?

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
• ID Theft Protection
• Reports to major credit bureaus

What are the relevant APRs for USAA Secured American Express® Credit Card?

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%.

What are the USAA Secured American Express® Credit Card fees?

$35 Annual Fee. USAA Secured American Express® Credit Card charges an annual fee of $35. No foreign transaction fee. USAA Secured American Express® Credit Card 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.

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

USAA Secured American Express® Credit Card Fees

Fees	Amount
Annual Fee	$35
Overlimit Fee	$0
Foreign Transaction Fee	0%
Balance Transfer Fee	3%
Returned Payment Fee	$35
Late Payment Fee	$35

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.

How to apply for USAA Secured American Express® Credit Card

• Visit the USAA website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
• 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.