Best USAA Credit Cards (2026)
Compare all USAA credit cards and find the best fit for your spending.
Top Pick
USAA Cashback Rewards Plus American Express Card
More USAA Cards
Not sure which USAA card is right for you?
Compare side by side →Frequently Asked Questions
What is the best USAA credit card?
The USAA Cashback Rewards Plus American Express Card is currently the top-rated USAA card, offering no annual fee and a strong welcome offer for new cardholders.
Does USAA have a credit card with no annual fee?
Yes — the USAA Cashback Rewards Plus American Express Card has no annual fee and earns 1x base rewards on purchases.
What credit score do you need for a USAA card?
Most USAA credit cards require good to excellent credit (typically 670+). Premium travel cards like the top-tier options generally require a score of 720 or higher for the best approval odds.
What rewards do USAA credit cards earn?
USAA credit cards earn points, miles, or cash back depending on the card. Category cards earn accelerated rates in your top spending areas, while flat-rate cards keep things simple.
Are USAA credit card points worth it?
USAA points and miles offer strong value, especially when redeemed for travel. Pairing multiple USAA cards can maximize your earning across categories.
How do I apply for a USAA credit card?
You can apply directly through https://www.usaa.com or by clicking the "Apply Now" buttons above. Most applications receive an instant decision online.
Find the right USAA card for your spending
Answer 5 quick questions and we'll match you to the best USAA card.
Take the Quiz