The 5 Best USAA Credit Cards of 2022

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

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

This is where ZDNet Come in. We analyze the market and weigh the options to give you the best USAA credit cards for you and your family. That’s what we found.

American Express® USAA Cashback Rewards Plus Card

Best USAA Credit Card Overall

The USAA Cashback Rewards Plus American Express® Card is the card to get when you live on base because you get rewarded for purchases you make on base. Rewards start with an initial APR of 0% for all balance transfers and convenience checks you make within the first 90 days of account creation. You’ll still have to pay a 3% fee, but the APR Introductory Offer can still save you a few extra bucks each month. There are also regular rewards. You’ll receive 5% cash back on gas and purchases made at military bases, up to $3,000 per year. You also earn 2% gas on your runs, also up to $3,000 per year.

There is also unlimited 1% cash back on all other qualifying purchases with no category restrictions. Another way to save money is to pay a fee, with the USAA charging no annual fees or foreign transaction fees to bother you while on duty. The starting APR is higher than many of the best USAA credit cards, but the rewards are well worth it for many.

Advantages:

  • Introductory APR
  • No annual or foreign transaction fees
  • On-site cashback

The inconvenients:

  • No introductory rewards
  • Spending limits apply

USAA Preferred Cash Rewards Visa® Signature Card

Ideal for cashback

The USAA Preferred Cash Rewards Visa® Signature Card offers flat rewards with unlimited 1.5% cash back on every qualifying purchase with no category restrictions. It’s not as generous with rewards as other cards, but there’s something to be said for fixed rewards that have no caps or category restrictions. You still get the 0% introductory APR for balance transfers and convenience checks, lasting 15 months, with a 3% fee. There are also low fees with no annual fees or foreign transaction fees, and there is no APR penalty. This is one more way to save money on your credit card bill each month, especially since rewards are limited with this card.

Advantages:

  • Introductory APR Offer
  • No category
  • Few costs

The inconvenients:

  • Low reimbursement rate
  • Excellent credit recommended

USAA Rate Advantage Visa® Platinum Card

Best Low Interest USAA Credit Card

The USAA Rate Advantage Visa® Platinum card also shares the same offer as the other cards, giving you a 0% introductory APR on balance transfers and convenience checks for the first 15 months of card ownership. After that, you switch to a competitive APR starting at less than eight percent. In order to benefit from a low APR, you only need to carry over a balance each month to benefit from the same rate on your purchases, balance transfers and cash advances. Like other previous cards, there are no annual fees or foreign transaction fees.

Advantages:

  • APR Introductory Balance
  • Few costs
  • No annual fee

The inconvenients:

  • No cashback rewards
  • Balance Transfer Fee

USAA RewardsTM American Express® Card

Best USAA Credit Card for Bonus Rewards

The USAA RewardsTM American Express® Card gives you the same initial APR of 0% for balance transfers and convenience checks made within the first 90 days. 3% charge applies. You also get regular rewards, with 3x more points when you dine out. You also get 2x the points when you fill up your car at the gas station or shop at your neighborhood grocery store.

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

Advantages:

  • APR Introductory Balance Transfer
  • Unlimited Rewards
  • Few costs

The inconvenients:

  • No initial purchase APR
  • Fees apply for balance transfers

USAA RewardsTM Visa® Signature Card

Best USAA Credit Card for Travel

When you stay on the go, the USAA RewardsTM Visa® Signature Card might be the perfect card for you. You start with 2,500 bonus points on your first qualifying purchase. You also get 2x the points on gas and restaurants, with 1x the points on all other qualifying purchases. Points are unlimited, so you don’t have to worry about caps. There are no foreign transaction fees to save you extra money, no annual fees or APR penalties. It’s just another way to save money with USAA.

Advantages:

  • Intro APR for balance transfers
  • Bonus Rewards
  • Unlimited Rewards

The inconvenients:

  • No initial purchase APR
  • 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 best for base life, giving you discounts on purchases you make on base. Others may prioritize rewards, offering generous sign-up bonuses and introductory offers.

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

USAA credit card

APR

Awards

American Express® USAA Cashback Rewards Plus Card

12.65% to 26.65%

5% cash back on the first $3,000 in gas and military base purchases

2% cash back on the first $3,000 of groceries

1% cash back on all other qualifying purchases

USAA Preferred Cash Rewards Visa Signature Card

12.65% to 26.65%

1.5% cash back on all purchases

USAA® Rate Advantage Visa® Platinum Card

7.65% to 24.65%

None

USAA RewardsTM American Express® Card

10.65% to 26.65%

2,500 bonus points with first qualifying purchase

3X points on restaurant meals

2X points on gas and groceries

1X points on all other qualifying purchases

USAA RewardsTM Visa® Signature Card

10.65% to 26.65%

2,500 bonus points with first qualifying purchase

3X points on restaurant meals

2X points on gas and groceries

1X points on all other qualifying purchases

What is the right USAA credit card for you?

The best USAA credit cards can all get mixed up over time, so here are our expert suggestions to help you find the right card for your family.

Choose this credit card…

If you want…

American Express® USAA Cashback Rewards Plus Card

Rewards for your purchases on the base

USAA Preferred Cash Rewards Visa Signature Card

Flat rate cashback

USAA Rate Advantage Visa Platinum Card

A low APR

USAA Rewards American Express® Card

Rewards for bonus categories

USAA Rewards Visa Signature Card

International Benefits

How did we choose these USAA credit cards?

We consider several factors in our search for the best USAA credit card.

  • APR: The annual percentage rate of charge, or APR, determines how much interest you’ll pay on your purchases and balance transfers. The lower the APR, the less interest you pay.
  • Costs: Fees can add up quickly, so we factor in fees such as annual fees, foreign transaction fees, and balance transfer fees.
  • Awards: One of the best things about a credit card is the amount of rewards you can receive, from cash back to bonus points.
  • Credit score: There are often credit requirements in order to qualify for a new credit card. Most USAAs often seek good to excellent credit for their credit cards.

Before applying for a USAA credit card, consider which features, fees, and factors are best for you.

What is the USAA?

Founded in 1922, the United Services Automobile Association, or USAA, serves the military community, including active duty service members, 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 USAA credit card?

The APR for USAA credit cards depends on which one 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 a starting APR of 7.65%. Overall, the best USAA credit cards range from 7.65% to 26.65% variable APR.

Are there other USAA credit cards worth considering?

USAA only offers five credit cards, as demonstrated above.

However, there are many credit cards that can meet your specific needs. While researching the best credit card, check out our recommendations for the best rewards credit card, the best high limit credit cards, and the best credit cards for good credit!