- Click APPLY NOW to apply online.
- Must be a USAA® member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
- Intro Offer: Earn a $250 reward bonus after spending $1,000 on qualifying purchases within 90 days of account opening.
- Earn unlimited 1.5% cash back on purchases, no category restrictions and no caps.
- No annual fee.
- Cash back rewards never expire.
- Redeem cash back your way, on your schedule.
- No foreign transaction fees.
- A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies.
- 15.40% - 27.40% variable regular APR.
- Terms and Restrictions apply. See the Reward Terms and Conditions on USAA's website for details.
- See Rates and Fees for details.
- Rates & Fees
Reviews
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CompareCards says issuers are providing such generous deals, they're virtually irresistible for those willing to switch.
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Those who always pay their balances in full and on time will usually come out ahead.
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The offers on the credit card landscape are constantly changing which is great news for consumers.
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In the future, the companies that will thrive are those able to give customers exactly what they want, the way they want it, when they want it.
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CompareCards was one of three sites that met all the criteria.
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Top Credit Cards For Military Members
The best credit cards for military personnel provide unique rewards in recognition of their service. Because of the Servicemembers Civil Relief Act (SCRA), active-duty military service members and their families are eligible to receive special benefits like reduced interest rates and $0 foreign transaction fees.
Some issuers even go beyond the call of duty when it comes to recognizing military service—for example, annual fees on Chase credit cards are waived for qualifying service members and their eligible dependents under SCRA guidelines. That gives them access to two of the best cards in the travel and dining space for zero annual fee.
Based on recommendations from our expert reviewers, these are our picks for the best cards for active-duty military service members and their families:
See offers from our partners below.
While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
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Annual Fee$0
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Welcome Offer250 dollars
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Rewards Rate1.5% cash back
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Credit Needed
Bottom Line
This card offers a simple cash back reward program with no limits on the amount of rewards you can earn. If you're looking for a hassle-free card from USAA Federal Savings Bank that offers generous rewards, the USAA Preferred Cash Rewards Credit Card is the one for you.
Our Take
The Good
The cash back is unlimited with this card and you don't have to worry about rotating categories. Also, you'll enjoy a long list of Visa Signature perks and benefits.
The Not So Good
There's no intro APR with this card.
Highlights
See Additional Details for USAA Preferred Cash Rewards Credit Card
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Annual Fee$0
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Welcome OfferN/A
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Rewards RateN/A
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Credit Needed
Bottom Line
Credit cards don't get much simpler than this. There's no fancy rewards program, but cardholders could potentially save a lot of money with the low interest rates offered on this card.
Our Take
The Good
You'll be hard-pressed to find a card with a lower ongoing APR for purchases, balance transfers, and cash advances. Plus there's no annual fee, no foreign transaction fees and no penalty rate.
The Not So Good
If you want to earn rewards on your purchases, this card isn't for you.
Highlights
- Click APPLY NOW to apply online.
- Must be a USAA® member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
- Intro Offer: Get a 0% intro APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening. After this time, the variable regular APR of 10.40% - 24.40% will apply to introductory balances.
- A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies. If you transfer a balance or write a convenience check to take advantage of the introductory rate offer, you will immediately incur interest on purchases until you pay your balance in full, including any transferred balances.
- No annual fee.
- No foreign transaction fees.
- 10.40% - 24.40% variable regular APR.
- See Rates and Fees for details.
- Rates & Fees
See Additional Details for USAA Rate Advantage Credit Card
*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.
Methodology
Our editors take a comprehensive, data-driven approach to identify the best credit cards in various categories. We use an objective rating and ranking system that evaluates over 100 credit cards from more than 50 issuers. While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
