SuperMoney
  USAA Secured American Express® Credit Card

Out of Business

USAA Secured American Express® Credit Card

in Personal Credit Cards from USAA

Out of Business

USAA Secured American Express® Credit Card

in Personal Credit Cards from USAA

Net Recommendation Score +100%

SUPERMONEY NET RECOMMENDATION SCORE

+100%

-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

Rating not yet determined

In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
1 user recommends
0 users are unsure
0 users don't recommend
Cast your vote
Cast your vote

Would you recommend USAA Secured American Express® Credit Card to your friends?

Thanks for your vote!

Thanks for your vote!

You voted: May or may not recommend

Highlights
Highlights
Community Rating

Rating not yet determined

In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Purchase APR  (Variable APR) 11.4% - 21.4%
Balance Transfer APR  (Variable APR) 11.15% - 21.15%
Credit Score Range 350 - 700
Annual Fee $35

USAA Secured American Express® Credit Card Review

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

Key takeaways:

  • Competitive APRs. USAA Secured American Express® Credit Card has a variable purchase APR that ranges from 11.4% up to 21.4%.
  • 3% Balance transfer fee. USAA Secured American Express® Credit Card charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees.
  • $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
  • Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, price protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still qualify.

USAA Secured American Express® Credit Card Pros and Cons:

The Good The Bad
  • Lower than average purchase APRs.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty and price protection on purchases.
  • Free access to your credit score.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • Considers applicants with fair or poor credit.
  • No foreign transaction fee.
  • USAA Secured American Express® Credit Card reports to multiple credit bureaus.
  • Charges an annual fee of $35
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Charges a 3% balance transfer fee.

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.

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
  • Zero 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?

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 Secured American Express® Credit Card has lower than average purchase 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 introductory APR offer on balance transfers?

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

Does USAA Secured American Express® Credit Card have an introductory APR offer on new purchases?

USAA Secured American Express® Credit Card does not offer an introductory rate on new purchases.
USAA Secured American Express® Credit Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

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

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

  • There is no overlimit fee
USAA Secured American Express® Credit Card Fees
Fees Amount
Annual Fee $35
Overlimit Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee $35
Late Payment Fee $35

Does USAA Secured American Express® Credit Card have a 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.

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 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.

How to apply for USAA Secured American Express® Credit Card

  • Visit the USAA Secured American Express® Credit Card 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.

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

  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 Foreign Transaction Fee  
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Annual Fee $35
Returned Payment Fee $35
Late Fee Amount $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
  • Military Dependent
  • Veterans
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 350 - 700
Card Type
  • Bad Credit
  • Secured
Card Network American Express
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Lost Luggage Insurance  
Flight Insurance  
Travel Insurance  
Fraud Liability  
Extended Warranty  
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
  • Trip Cancellation Insurance
Cash Advance APR (Variable APR) 11.4% - 21.4%
Balance Computation Average daily balance (including new purchases)
Credit Limit $0
Purchase APR (Variable APR) 11.4% - 21.4%
Balance Transfer APR (Variable APR) 11.15% - 21.15%
Balance Transfer Fee % 3%

USAA Secured American Express® Credit Card Community Reviews

 

Would you recommend USAA Secured American Express® Credit Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)

SUPERMONEY NET RECOMMENDATION SCORE

+100%

-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

sorted by

Other Personal Credit Cards

Deserve Edu Mastercard for Students
Rating not yet determined In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote

4 Reviews

USAA Personal Credit Cards

Loading...