- Choose between 2X points or up to 2.25% cash back on gas and groceries.
- Variable rates as low as 9.90% APR on purchases, balance transfers, and cash advances.
- Flexibility to pay in full or over time.
- USAA membership is reserved for the members of the military, veterans who honorably served and their eligible family members.
At a Glance
USAA provides a full range of highly competitive financial products and services to the military and their families. But, you do not have to be in the military to apply. As long as a spouse or parent is in the military, you may be eligible.
Great rates and no annual fee.
Variable rates as low as 9.9% APR on purchases, balance transfers and cash advances. Choose from cash back, gift cards and travel rewards.
Earn 2X points for every dollar on gas and grocery purchases all the time.
Earn one point for every dollar on your every day purchases. Get 2,500 bonus points with your first purchase.
Earn points without a cap or expiration.
Credit Scores Needed
Consumers with a credit score of 630 or higher have a good chance of qualifying for this rewards card. Your chances of qualifying with scores below 630 will be enhanced if you have a USAA Free Checking or Savings Account.
USAA Cash Rewards®
Earn up to 2.25% cash back on gas and grocery purchases all the time.
Earn up to 1.25% cash back for all other purchases. There’s no limit. Receive annual rebates every January.