However, with more than one card, it can quickly get confusing when trying to decipher the best USAA credit card for you. That is where ZDNet comes in. 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. However, there are many credit cards that may suit your specific needs. While searching for 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! There is also unlimited 1% cash back on all other qualifying purchases with no category restrictions. Another way you can save money is through fees, with USAA charging no annual fees or foreign transaction fees to trouble you during your service. The starting APR is higher than many of USAA’s best credit cards, but the rewards make it well worth it for many. Pros:
Introductory APRNo annual or foreign transaction feesOn-base cashback
Cons:
No intro rewardsSpending caps apply
Pros:
Intro APR offerNo categoriesFew fees
Cons:
Low cash back rateExcellent credit recommended
Pros:
Intro balance APRFew feesNo annual fee
Cons:
No cashback rewardsBalance transfer fee
All other purchases earn 1x the points. The APR is reasonable, too, falling within the middle of USAA’s three rates. Plus, when you first sign up for the card, USAA will give you 2,500 bonus points with your first qualifying purchases, giving you a healthy head start on your earnings. Pros:
Intro balance transfer APR Unlimited rewardsFew fees
Cons:
No intro purchase APRFee applies for balance transfers
Pros:
Intro APR for balance transfersBonus rewardsUnlimited rewards
Cons:
No intro purchase APR The balance transfer fee applies
Our list of the best USAA credit cards is an excellent place to begin your search for the best USAA credit card for your needs. 2% cash back on first $3,000 in groceries 1% cash back on all other eligible purchases 3X points on dining out 2X points on gas and groceries 1X points on all other eligible purchases 3X points on dining out 2X points on gas and groceries 1X points on all other eligible purchases
APR: The annual percentage rate, or APR, determines how much interest you will pay on your purchases and balance transfers. The lower the APR, the less interest you pay.Fees: Fees can quickly add up, so we consider fees like 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 receive, from cash back to bonus points. Credit score: There are often credit requirements in order to qualify for a new credit card. Most USAA often looks for good to excellent credit for its credit cards.
Before you apply for a USAA credit card, consider which features, fees, and factors are the best fit for you. Services include not only credit cards but also insurance and investment opportunities.
