Am I eligible?
To get this card, you must also:
Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
What the Critics Are Saying...
- Rebecca Lake, MyBankTrackerA USAA Secured Card® American Express® account could be a great fit for military personnel who is new to credit or trying to rebuild it. This card might not work as well if you don’t have at least $250 to put up for the deposit.
- Kelly Dilworth, CreditCards.comIf you can afford to invest more than $250 into a security deposit, this military-friendly credit builder card offers a number of appealing perks, including a flexible credit limit, below average APR and consumer-friendly fee schedule.
- Christina Majaski, Wise BreadIdeal for USAA members who do not travel abroad frequently. And because of the servicemember benefits, reasonable fees, and possibility of qualifying for a lower APR, it is a great card for establishing or reestablishing a positive credit rating.
- Robin Saks Frankel, BankrateIf you or a loved one will be deployed soon, the USAA Secured Card American Express Card could prove a real help. Think about applying for this card before you head overseas so you can take advantage of the generous benefit offered active-duty military personnel.
- J.R. Duren, HighYaWhile you don’t get any rewards with the card, you do get enough of its all-around strengths to make this a great option for USAA customers.
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
11.9% ‐ 21.9% This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
11.9% ‐ 21.9% This APR will vary with the market based on the Prime Rate. |
| Cash Advance Interest Rate |
11.9% ‐ 21.9% This APR will vary with the market based on the Prime Rate. |
| Rates & Fees | |
| Annual Fee | $35.00 |
| Balance Transfer Fee |
3% Maximum of $200 |
| Cash Advance Fee |
3% Maximum of $200 |
| Foreign Transaction Fee | $0.00 |
| Over Limit Fee | $0.00 |
| Late Payment Fee |
$35.00 Maximum |
| Promotions | |
| Sign up bonus | No |
| Rewards | |
| All Purchases | No |
| Restaurants | No |
| Gas | No |
| Groceries | No |
| Hotels | No |
| Travel | No |
| Pharmacy | No |
| Bills | No |
| Features & Benefits | |
| Additional Card Holders | Yes |
| Travel Accident Insurance | Yes |
| Car Rental Insurance | Yes |
| Car Rental Discount | No |
| Extended Warranty | Yes |
| Purchase Protection | No |
| Zero Liability | Yes |
| No Foreign Transaction Fees | Yes |
| Emergency Assistance | No |
| Concierge Service | No |
| Price Protection | Yes |
| Fraud Protection | Yes |
| Free Credit Scores | No |
| Wireless Payments | Apple Pay, Samsung Pay, Google Pay |
| Virtual Cards | No |
| Additional Benefits |
|
| Eligibility | |
| Minimum Security Deposit |
$250
|
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | - |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.
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