However, in reading publicly available material about the card, I was unable to determine how much support is provided to the charity of your choice.
Related reading: Best credit cards to use for charitable donations. Related reading: 14 ways to give back during the coronavirus outbreak. USAA currently only offers seven credit cards to its members, so I included all seven cards in this guide.
There is no one best USAA credit card. In fact, each of these seven cards could be the best USAA credit card for a particular consumer. Which card is best for you depends on what type of rewards you want to earn , what spending categories you use most frequently, whether you need a low APR and whether you want to give up some rewards in exchange for supporting a charity of your choice.
Related reading: The best credit cards for active-duty military. You can see the full guide to benefits online , but here is a quick summary of the benefits. When you use your USAA credit card or its associated rewards to reserve and pay for your rental car, you can get up to 31 days of protection for physical damage, theft, reasonable and customary towing and loss-of-use charges.
Coverage is secondary when renting in your country of residence and primary when renting outside your country of residence.
Related reading: Best credit cards for rental car coverage. Covered reasons include an illness or accident affecting you or another family member that prevents you from traveling or a change in military orders. Covered people include you, your spouse and dependent children. Related reading: The best credit cards that offer trip cancellation and interruption coverage. If your checked baggage is delayed on a common carrier trip, you may be reimbursed for essential items you buy while your baggage is delayed for four or more hours.
Covered items include toiletries, clothing and device chargers. To be eligible, you must pay for at least part of your passenger fare with your credit card or its associated rewards and report delayed baggage to your travel supplier.
Related reading: Which credit cards cover baggage delays? Extended warranty protection doubles the period of warranty coverage for up to one additional year on original eligible warranties of three years or less.
This protection applies to purchases made both inside and outside the U. To have protection, you must have used your card or its associated rewards to pay for at least part of the purchase.
Related reading: Best credit cards for extended warranties. None of the USAA credit cards charge foreign transaction fees when you use your card for purchases outside the U. USAA rewards points are generally worth one cent each when redeemed for travel. For the most part, no annual fees. The good news, though, is that if you do meet certain requirements, becoming a USAA member is free.
Among the ways you can be eligible:. Your parent is or was a USAA member. Your spouse is or was a USAA member. Advertising partners do not edit or endorse our editorial content. Content is accurate to the best of our knowledge when it's published.
Learn more in our Editorial Guidelines. USAA membership is free, and only open to members of the military and their families. Read Our Review. A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
But its small intro bonus may feel like the first-year return is a bit lacking compared to other reward cards for dining and groceries.
This card is nearly identical to the Military Affiliate Visa card above; there are two main differences, one good and one not as good:. That includes:. Unlike many credit card issuers, where each card is pretty much unique, all USAA cards have the same set of basic features and benefits. For the most part, the only differences are the rewards, as described above.
Each card includes the following:. USAA is nearly a century old, and has a clear brand focus: It provides an array of insurance, banking, and investment services to members of the military and their families.
It started off with a narrow focus and small membership pool, and has grown decade by decade to become one of the largest companies in the U. Army officers founded the United States Army Automobile Association to help solve a particular problem they faced: Military officers and enlisted personnel were seen by insurance companies as high-risk customers, leading to higher costs or outright denials.
When they got insurance, they might get dropped because they moved around so much. So the United States Army Automobile Association was formed, by and for Army officers, as a mutual self-insurance scheme. Image credit: USAA. Restrictions were lifted a bit in , when Navy and Marine Corps officers were allowed to join.
In the company was renamed to fit its broader purpose: It became the United Services Automobile Association USAA , though membership would remain relatively exclusive for years.
Membership was expanded to Foreign Service officers, State Department officials, and their widows in Despite this being the highest score in the survey, by 23 points, USAA was not included in the rankings because its availability is restricted to a certain population, in this case military families.
You can also send a secure message or chat with a representative online after logging in to your USAA account. USAA offers biometrics, Quick Logon, CyberCode text, and computer recognition, which the company claims are all industry-leading security measures.
Identity-theft resolution services can help you place fraud alerts, dispute incorrect information on your credit reports, get replacement cards, and more. Some competing credit cards have one or more of these fees.
However, the card offers a one-time offer and points rewards that, as best we could glean, are modest in value. Most potential applicants for this card would be better served by choosing a different one, including some other choices within the USAA family of cards. Your Privacy Rights. To change or withdraw your consent choices for Investopedia. At any time, you can update your settings through the "EU Privacy" link at the bottom of any page. These choices will be signaled globally to our partners and will not affect browsing data.
We and our partners process data to: Actively scan device characteristics for identification. I Accept Show Purposes. Your Money. Personal Finance. Your Practice. Popular Courses. Credit Cards Rewards Cards. Verified by Matthew M Klammer. Updated October 11, Overall Rating 4. Next Steps. Current Offer 2, bonus points after your first purchase. Credit score is one of the many factors lenders review in considering your application.
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