The 5 Best 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 important services to help your family adjust and settle into military life, from banking to investing and everything else in between. Wherever you are in the world, USAA is here to help with a variety of products, including the highly regarded credit cards. With unparalleled customer service and low costs, USAA has become the go-to provider for the military community.

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

That’s true ZDNet come on in. We analyze the market and weigh 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 USAA credit card overall

The USAA Cashback Rewards Plus American Express® card is the card you can get if you live at the base because you are rewarded for the purchases you make at the base. Rewards start with an introductory APR of 0% for all balance transfers and convenience checks you make within the first 90 days of having the account. You still have to pay a 3% fee, but the introductory APR offer can still save you some extra money each month. There are also regular rewards. You will receive 5% cash back on gas and military base purchases, up to $3,000 per year. You will also earn 2% gas back on groceries, also up to $3,000 per year.

There is also unlimited 1% cashback on all other qualifying purchases with no category restrictions. Another way you can save money is through fees, where USAA doesn’t charge annual fees or foreign transaction fees to harass you during your service. The starting APR is higher than many of USAA’s top credit cards, but the rewards make it worth it for many.

Advantages:

  • Introductory APR
  • No annual or foreign transaction fees
  • Cashback on the base

cons:

  • No intro rewards
  • Spending limits apply

USAA Preferred Cash Rewards Visa® Signature Card

Best for cashback

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

Advantages:

  • Intro APR offer
  • No categories
  • Low cost

cons:

  • Low cashback rate
  • Excellent credit recommended

USAA Fare Advantage Visa® Platinum Card

Best USAA Low Interest Credit Card

The USAA Rate Advantage Visa® Platinum Card also shares the same offerings as the other cards, giving you an introductory 0% APR on balance transfers and convenience checks for the first 15 months you have the card. Then you move to a competitive APR that starts at less than eight percent. To take advantage of a low APR, all you need to do is carry a balance each month to receive the same rate on your purchases, balance transfers, and cash advances. Like the other cards, there are no annual fees or foreign transaction fees.

Advantages:

  • Intro balance APR
  • Low cost
  • No annual costs

cons:

  • 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 introductory 0% APR for balance transfers and convenience checks made within the first 90 days. There is a surcharge of 3%. You also get regular rewards of 3x the points when you eat out. You also get 2x the points if you fill up your car at the gas station or go shopping at your neighborhood supermarket.

All other purchases yield 1x the points. The APR is also reasonable, falling in the middle of USAA’s three rates. Additionally, when you first sign up for the card, USAA will give you 2,500 bonus points on your first qualifying purchases, giving you a healthy edge on your earnings.

Advantages:

  • Intro balance transfer APR
  • Unlimited Rewards
  • Low cost

cons:

  • No intro purchase APR
  • Fees apply for balance transfers

USAA RewardsTM Visa® Signature Card

Best USAA Credit Card for Travel

If you’re on the go, the USAA RewardsTM Visa® Signature Card could be the perfect card for you. You start with 2500 bonus points on your first qualifying purchase. You also get 2x the points on gas and dining out, with 1x the points on all other qualifying purchases. Points are unlimited, so you don’t have to worry about any limits. There are no foreign transaction fees to save you extra money, as well as no annual fee or penalty APR. It’s just another way you can save money with USAA.

Advantages:

  • Intro APR for Balance Transfers
  • Bonus Rewards
  • Unlimited Rewards

cons:

  • No intro purchase APR
  • The balance transfer fee will apply

What is the best USAA credit card?

The best USAA credit card all depends on what you are looking for in a credit card. Some are best for life in the base, giving you discounts on purchases you make on the base. Others may prefer rewards, with 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

April

Rewards

USAA Cashback Rewards Plus American Express® Card

12.65% to 26.65%

5% cashback on first $3,000 in gas and military base purchases

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

1% cashback on all other eligible purchases

USAA Preferred Cash Rewards Visa Signature Card

12.65% to 26.65%

1.5% money back on all purchases

USAA® Fare Advantage Visa® Platinum Card

7.65% to 24.65%

No

USAA RewardsTM American Express® Card

10.65% to 26.65%

2500 bonus points on the first eligible purchase

3X points on eating out

2X points for petrol and groceries

1X points on all other eligible purchases

USAA RewardsTM Visa® Signature Card

10.65% to 26.65%

2500 bonus points on the first eligible purchase

3X points on eating out

2X points for petrol and groceries

1X points on all other eligible purchases

What’s the Right USAA Credit Card for You?

The best USAA credit cards can all bleed into each other over time, so these are our expert 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 on-base purchases

USAA Preferred Cash Rewards Visa Signature Card

Flat rate cashback

USAA Fare 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?

There are several factors that we consider when looking for the best USAA credit card.

  • April: The annual percentage rate, or APR, determines how much interest you pay on your purchases and balance transfers. The lower the APR, the less interest you pay.
  • Cost: Fees can add up 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 number of rewards you can receive, from cash back to bonus points.
  • Creditworthiness: There are often credit requirements to qualify for a new credit card. Most USAA often looks for good to excellent credit for its credit cards.

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

What is USAA?

Founded in 1922, the United Services Automobile Association, or USAA, serves the military community, including active-duty military personnel, veterans, and their families. Today, it has 13 million members with a total of 48.8 million 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 all depends on the 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 at 7.65% from APR. 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 only offers five credit cards, as shown above.

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

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