Best USAA Credit Cards
These cards offer rewards and other perks for USAA members, like travel protections.
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USAA offers a suite of credit cards, many charging no annual or foreign transaction fees. However, other rewards credit cards may have more point-earning potential, especially since some USAA credit card cards don’t offer a welcome bonus.
But the cards make up for the lower rewards with high customer satisfaction and travel benefits such as reimbursement for trip cancellation or interruption and coverage for delayed checked bags. Often, you have to pay a high annual fee for a premium travel rewards card to get perks like that.
You must qualify as a USAA member to get a USAA credit card. Membership is open to current and former military members, their spouses and children.
Top USAA credit cards
USAA® Rate Advantage Visa Platinum® Card
Our pick for: A low interest rate
Card details
Rewards: None.
Welcome bonus: None.
Annual fee: $0
APR: Get a 0% intro APR for 15 months on balance transfers and convenience checks that post to your account within 90 days of account opening. After this time, a variable regular APR will apply (as of February 2026).
Why we like it
The average credit card annual percentage rate among accounts assessed interest was 22.3% as of November 2025, according to the Federal Reserve, but you may qualify for an interest rate well below that average with the USAA® Rate Advantage Visa Platinum® Card. Add to that a no-interest promotion for balance transfers and you have a card whose main purpose is to lower the cost of credit card debt.
USAA Cashback Rewards Plus American Express® Credit Card
Our pick for: Gas station spending
Card details
Rewards:
Earn 5% cash back on up to $5,000 in military base purchases per year.
Earn 5% cash back on up to $3,000 per year in gas station purchases.
Earn 3% cash back on up to $3,000 in grocery store spending per year.
Earn 1% cash back on other purchases.
Welcome bonus: None.
Annual fee: $0.
APR: Get a 0% intro APR for 15 months on balance transfers and convenience checks that post to your account within 90 days of account opening. After this time, a variable regular APR will apply (as of February 2026).
Why we like it
Few cards earn such a generous cash-back rate on gas, making the USAA Cashback Rewards Plus American Express® Credit Card a solid option for anyone looking to save on commuting costs. Plus, it offers 5% cash back on military base purchases, including commissaries, exchanges and shoppettes.
Preferred Cash Rewards Visa® Signature Credit Card
Our pick for: Simple cash back
Card details
Rewards: Earn 1.5% cash back on all purchases.
Welcome bonus: None.
Annual fee: $0.
APR: There is no promotional APR for balance transfers. A variable regular APR will apply (as of February 2026).
Why we like it
If you don’t want every purchase to turn into a “which card should I use?” dance at the register, a flat-rate card like the Preferred Cash Rewards Visa® Signature Credit Card keeps things hassle-free. If USAA’s other cardholder benefits aren’t as important to you as earning rewards, other no-fee cards earn 2% cash back on all purchases and offer a sign-up bonus.
USAA Eagle Navigator® Visa Signature® Credit Card
Our pick for: Flexible rewards and a bonus
Card details
Rewards:
Earn 3 points per dollar spent on travel and transit including air, hotel, car and vacation rentals, rideshare, tolls and more.
Earn 2 points per dollar on other purchases.
Other benefits:
A credit of up to $120 for TSA PreCheck or Global Entry every four years.
A yearly 10,000-point bonus (equal to $100 in travel) after you book a hotel or car through the USAA Rewards Center.
Travel protections, including coverage for trip cancellation and delay, baggage delay, rental car collision damage and more.
Redeem points for travel, cash back as a statement credit or direct deposit to your USAA checking or savings account, merchandise, gift cards, or contributions to participating charities. Point values differ depending on how you decide to redeem.
Welcome bonus: Earn 30,000 bonus points after spending $3,000 on qualifying purchases within 90 days of account opening (as of February 2026).
Annual fee: $95.
APR: There is no promotional APR for balance transfers. A variable regular APR will apply (as of February 2026).
Why we like it
You’ll earn elevated rewards on travel spending, and a solid 2 points per dollar on everything else. Plus, there’s a sign-up bonus and valuable travel perks, which can help offset the annual fee. And since rewards are in the form of points instead of cash back, there are a greater variety of redemption options.
USAA Rewards™ Visa® Signature Credit Card
Our pick for: Travel rewards with no annual fee
Card details
Rewards:
Earn 2 points per dollar on gas and dining, including restaurants and fast food establishments.
Earn 1 point per dollar on other purchases.
Like the USAA Eagle Navigator® Visa Signature® Credit Card, you can redeem points for travel, cash back, merchandise, gift cards or charitable donations. Point values vary.
Welcome bonus: None.
Annual fee: $0.
APR: There is no promotional APR for balance transfers. A variable regular APR will apply. (As of February 2026.)
Why we like it
The USAA Rewards™ Visa® Signature Credit Card doesn’t quite match the point-earning potential of the USAA Eagle Navigator® Visa Signature® Credit Card. But if you’re opposed to paying an annual fee, it’s an option.
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