Top 5 USAA Credit Cards of 2022

For a century, USAA has made a name for itself through its service to the military community. Today, USAA offers essential services to help your family adjust and settle into military life, from banking to investing and everything else in between. No matter where you are in the world, USAA is there to help with a variety of products, including highly rated credit cards. With unparalleled customer service and low fees, USAA has become the number one provider for the military community.

However, with more than one card, it can quickly become confusing when trying to decipher the best USAA credit card for you.

where is that ZDNet Come. We analyze the market and weigh the options to bring you the best USAA credit cards for you and your family. This is what we found.

USAA Cashback Rewards Plus American Express® Card

Best overall USAA credit card

USAA Cashback Rewards Plus The American Express® Card is the card you get when you live on base because you’re rewarded for purchases you make on the base. The rewards start at an introductory annual interest rate of 0% for all balance transfers and appropriate checks you make within the first 90 days of account ownership. You still have to pay the 3% fee, but the introductory APR offer can still save you some extra dollars each month. There are regular bonuses too. You’ll get 5% cashback on gas and purchases made on military bases, up to $3,000 per year. You can also get 2% back on gas on groceries, and also up to $3,000 a year.

There’s also unlimited 1% cashback on all other eligible purchases with no class restrictions. Another way you can save money is through fees, as USAA does not charge annual fees or foreign transaction fees to bother you while you are on service. The initial APR is higher than many of the best USAA credit cards, but the rewards make it well worth it for many.

Positives:

  • April Preliminary
  • No annual or foreign transaction fees
  • Cashback on the base

Negatives:

  • No rewards offered
  • Expenditure ceilings apply

USAA Visa Signature Cash Rewards Card

Best for cash back

The USAA Visa® Signature Cash Rewards Card entitles fixed rewards with unlimited 1.5% cashback on every eligible purchase with no tier restrictions. It’s not as generous with rewards as other cards, but there is something to be said about fixed rewards that have no caps or class restrictions. You can still get the introductory 0% APR for balance transfers and convenience checks, which last for 15 months, with a 3% fee. There’s also little to no annual fee or foreign transaction fee, plus no APR penalty. It’s an additional way to save money on your credit card bill each month, especially since rewards are limited to this card.

Positives:

  • Show Introduction APR
  • no categories
  • Few Fee

Negatives:

  • Low cashback rate
  • Premium credit recommended

USAA Rate Advantage Visa® Platinum Card

Best low interest USAA credit card

The USA Visa® Platinum Card Advantage also shares the same offer as other cards, giving you an introductory 0% APR for balance transfers and convenient checks for the first 15 months of getting the card. Then, you can move on to a competitive annual percentage rate that starts at less than eight percent. In order to take advantage of the low APR, simply hold a balance each month to receive the same rate on your purchases, balance transfers, and cash advances. Like other cards before, there are no annual fees or foreign transaction fees.

Positives:

  • Introduction balance April
  • Few Fee
  • No annual fee

Negatives:

  • No cash back rewards
  • Balance Transfer Fee

USAA RewardsTM American Express® Card

Best USAA Rewards Credit Card

The USAA RewardsTM American Express® card gives you the same 0% introductory annual percentage rate for credit transfers and convenience checks made within the first 90 days. 3% fee applies. You’ll also get regular rewards, with 3 times the points when you dine out. You’ll also get double points when you fill up your car at the gas station or go grocery shopping in your area.

All other purchases earn 1x points. The APR is reasonable as well, falling in the middle of the three USAA rates. Plus, when you first sign up for the card, USAA will award you 2,500 bonus points with your first qualifying purchase, giving you a head start on your earnings.

Positives:

  • Introduction to APR Balance Transfer
  • Unlimited rewards
  • Few Fee

Negatives:

  • No APR Purchase Introduction
  • Balance transfer fees apply

USAA RewardsTM Visa® Signature

USAA’s Best Travel Credit Card

When you’re still on the go, the USAA RewardsTM Visa® Signature Card can be the perfect card for you. You start with 2,500 bonus points with your first eligible purchase. You’ll also earn 2x points on gas and dining out, with 1x points on all other eligible purchases. Points are unlimited, so you don’t have to worry about any limits. There are no foreign transaction fees to save extra money, as well as no annual fees or APR penalty. It’s just another way you can save money with USAA.

Positives:

  • APR Introduction to Balance Transfers
  • Rewards Rewards
  • Unlimited rewards

Negatives:

  • No APR Purchase Introduction
  • Balance transfer fees apply

What is the best USAA credit card?

The best USAA credit card depends on what you are looking for in a credit card. Some are the best for life, giving you discounts on purchases you make on a rule basis. Others may prefer bonuses, offering generous sign-up bonuses and introductory offers.

Our list of the best USAA credit cards is an excellent place to start your search for the best USAA credit card for your needs.

USAA credit card

April

Rewards

USAA Cashback Rewards Plus American Express® Card

12.65% to 26.65%

5% cash back on your first $3,000 of gas and military base purchases

2% cash back on your first $3,000 in groceries

1% cash back on all other eligible purchases

USAA Visa Signature Cash Rewards Card

12.65% to 26.65%

1.5% cashback on all purchases

USAA® Rate Advantage Visa Platinum Card

7.65% to 24.65%

no one

USAA RewardsTM American Express® Card

10.65% to 26.65%

2500 Bonus Points with your first eligible purchase

3X points for dining out

2X points on gas and groceries

1X Points on all other eligible purchases

USAA RewardsTM Visa® Signature

10.65% to 26.65%

2500 Bonus Points with your first eligible purchase

3X points for dining out

2X points on gas and groceries

1X Points on all other eligible purchases

Which USAA Credit Card Is Right For You?

The best USAA credit cards can blend together over time, so these are our experts’ suggestions to help you find the right card for your family.

Choose this credit card…

if you want…

USAA Cashback Rewards Plus American Express® Card

Rewards for your base purchases

USAA Visa Signature Cash Rewards Card

Flat rate cashback

USAA Rate Advantage Visa Platinum Card

Low April rate

USAA American Express® Rewards Card

Bonus Categories Rewards

USAA Rewards Visa Signature Card

international franchises

How did we choose USAA credit cards?

There are many factors we consider in our search for the best USAA credit card.

  • April: Annual Percentage Rate, or APR, determines how much interest you’ll pay on your purchases and balance transfers. The lower the annual interest rate, the less interest you pay.
  • expenses: Fees can accumulate quickly, so we factor in fees such as annual fees, foreign transaction fees, and balance transfer fees.
  • Rewards: One of the best things about a credit card is the amount of rewards you can get, from cash back to reward points.
  • Balance level: There are often credit requirements to qualify for a new credit card. USAA often looks for good to excellent credit for its credit cards.

Before applying for a USAA credit card, consider the features, fees, and factors that are best suited to you.

What is USAA?

Founded in 1922, the United Services Automobile Association, or USAA, serves the military community including active duty military, veterans, and their families. Today, it has 13 million members with 48.8 million total products.

Services include not only credit cards, but also insurance and investment opportunities.

What is the APR for the best USA credit card?

The APR rate for USAA credit cards depends on the card you choose. For example, the USAA Cashback Rewards Plus American Express® card starts at 12.65% but the USAA® Rate Advantage Visa Platinum® card is significantly lower with the APR starting at 7.65%. In general, the best USAA credit cards range from 7.65% to 26.65% variable APR.

Are there alternative USAA credit cards worth considering?

USAA offers only five credit cards, as described above.

However, there are many credit cards that may suit your specific needs. While searching for the best credit card, check out our recommendations for Best Rewards Credit CardThe Best High Limit Credit Cardsand the Best credit cards for good credit!