Is It Hard To Get a Credit Card From USAA? (2024)

FAQs

Is It Hard To Get a Credit Card From USAA? ›

USAA does not offer any credit cards for bad credit (a credit score below 640). All USAA credit cards require good credit for approval, which means a credit score of at least 700. There are, however, credit cards for bad credit available from other issuers that are quite easy to get.

USAA doesn't have a strict, publicly stated minimum credit score for its personal loans. However, your credit score plays a pivotal role in your application's outcome. Typically, those with a FICO score of 620 or higher stand a better chance of approval and can secure more favorable interest rates.

USAA® Rewards™ American Express® Card: Excellent credit

As with all credit cards, you'll need to have a steady income that's big enough to handle the card's credit limit, and you must be at least 18 years old. You'll also need to have an SSN.

Your USAA credit card approval odds are high if you have good credit in most cases, enough income to pay your credit card bill, and relatively little debt.

If you're a USAA member, you can apply for any of the credit cards we offer. Our products and services are open to current and former military and their spouses. Children of USAA members can join, too.

The easiest USAA credit cards to get are the USAA® Secured American Express® Card and the USAA® Secured Visa Platinum® Card, since both are available to people with bad credit. Because they're secured cards, they also require a deposit of at least $250 that serves as your credit limit.

The average USAA credit limit is $1,000 for secured cards and $3,000-$5,000 for unsecured cards. USAA also offers a maximum credit limit of $50,000 across all of its cards.

Centurion® Card from American Express

A rating of 5 is the best a card can receive. Why it's one of the hardest credit cards to get: The hardest credit card to get is the American Express Centurion Card. Known simply as the “Black Card,” you need an invitation to get Amex Centurion.

USAA is among the most trusted card issuers in the United States. Available exclusively to U.S. military members and their families, USAA has a reputation for excellent customer service. It offers credit cards with rewards, special rates for qualifying military members and often low annual percentage rates.

Proof of income (pay stubs, W-2 forms) Bank statements. Proof of address. List of expenses.

Is USAA credit card instant? ›

Chip Lupo, Credit Card Writer

USAA gives instant approval on its credit cards, but only some of the time. Instant approval always is possible when applying for a USAA credit card online, though getting approved for an account immediately is never guaranteed.

The U.S. Bank Altitude Go Visa Secured Card is the best option if you have limited/poor credit and are looking for a high credit limit. You can deposit anywhere from $300 to $5,000, making your maximum credit limit available $5,000.

Which consumer reporting agencies does USAA report to? For credit cards and loans, we report to Equifax, Experian, Innovis and TransUnion. For checking and savings accounts, we report to Early Warning® Services, a national specialty consumer reporting agency.

USAA insurance is only for military members' and veterans' direct family members. Can parents get USAA insurance if their children join the military? No. Anyone besides a current or former spouse and children will not be eligible for USAA auto insurance.

Active duty officers and enlisted personnel; National Guard/Reserve officers and enlisted personnel; or officer candidates in commissioning programs. Retired or separated military personnel.

Who can join USAA? Our products and services are open to current and former military and their spouses. Children of USAA members can join, too.

USAA does not disclose minimum income or credit score requirements. However, you'll generally want to have a good or excellent credit score and a steady, verifiable source of income to have the best chance at qualifying for an auto loan.