This credit card has very good security too, so you should not have to deal with many issues. USAA makes it easy to get your credit card information when you need to check your balance, too.
You can simply send out a text message, and you will be able to get access to your account balance and transaction history. This makes it easier than ever to keep an eye on your spending. You can budget your money easily and should enjoy how intuitive everything is to use. Your account will also be accessible via a normal website. The site is optimized for mobile, which makes it simple to make changes or check into things, no matter where you are.
They put a lot of effort into keeping things as customer-friendly as possible. Perhaps the biggest benefit of being a cardholder is that you will get a special interest rate if you are on active duty. Those who are on active duty will be able to enjoy a very low-interest rate on any purchases. This makes it easier than ever to pay things down, and you can make sure that you stay on track financially.
This is a great benefit for any active military personnel, and it should come in handy to keep military families safe while their loved one is off serving the country. This special interest rate will last for quite a long time, too. It can go on for up to 12 months during deployment or PCS. This is a handy benefit that will make life just a bit easier when you are serving on active duty. Another interesting benefit is that you will be given access to a convenient concierge service.
Being able to access a concierge service is something that is normally reserved for luxury credit cards. It is a nice perk to be able to enjoy, and it can be very useful. You will be able to use the concierge service to help you get concert tickets, book travel arrangements, and they can even help you to get into special restaurants.
Many other standard benefits are present when using this credit card, too. For example, you will be able to receive a rental car collision damage waiver.
You can also expect one-year extended warranty coverage on many things that you purchase using your credit card. These perks are a bit more standard, but they will still prove to be very useful to you. This rewards card is actually pretty good when it comes to helping you earn cash.
You will be able to enjoy several bonus categories that will make it easy to earn cash back rewards. If you can maximize your spending on the bonus categories, you will be able to earn a good bit of your cash back every single year.
It can be a fairly helpful rewards card to keep around, and it is very practical for military families. There are other cash back rewards credit cards on the market that have a higher earning potential. This may not be the best card for those who are looking to earn very high numbers of cash rewards, but it can still be quite useful. If you buy a lot of groceries with your credit card, then you will be able to take advantage of the bonus category.
It should be easy enough to earn everything that you can, so it is worth keeping in mind. Redeeming rewards is simple as can be, too. You will be able to redeem your rewards as statement credit very easily, and it should never be too difficult to do.
The customer service team that is associated with this card is top-notch, so you will be able to ask for help at any time. If you ever need help with redeeming rewards, you will always be able to reach out. This card does have good overall rewards potential.
If you take advantage of the bonus categories, then you can earn a pretty good chunk of change as cash back rewards. This will make it worth your while to sign up for the card. The bonus categories are pretty standard things, too, such as grocery purchases, which makes it easy to earn the maximum amount of rewards that are possible. Not having to pay out money just to use the credit card each year is a good thing.
You will be able to enjoy using this credit card without having to deal with too many fees at all. The fees that are present are within normal ranges, which makes them feel pretty harmless overall. No foreign transaction fees are going to hold you down when you use this card. You will be able to use this credit card readily if you are stationed abroad.
It keeps things very practical for those who are serving on foreign military bases. This is a very good card for military families that have to travel around. Lastly, that active-duty APR rate is a very nice perk.
Being able to enjoy a very low APR while you are on active duty is going to be quite helpful. There are other flat-rate rewards credit cards that offer an introductory APR and no annual fee, and even more credit cards with better rewards programs, including other USAA branded credit cards. Skip to content Advertiser Disclosure Advertiser Disclosure: The credit card and banking offers that appear on this site are from credit card companies and banks from which MoneyCrashers.
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By Christina Majaski. At a glance. Apply Now. There are no special options such as putting the cash towards travel expenses or redeeming your earned money for gift cards. One of the most positive aspects of this card is that it does not limit your rewards potential in any way. You will always be able to earn that 1. Being able to earn the cash rewards on all of your purchases is a nice touch too.
There are no bonus categories to worry about or spending thresholds that you will need to watch out for. The special active military APR can be very helpful to you as well. If you are on active duty, then you will be able to take advantage of a very low APR.
This can make it very easy to pay off certain items and will be a huge benefit to a lot of people. The time that the special APR is active will be generous too as it can last for up to one year after you have come home, depending on if you are still carrying a balance from your time on active duty.
Being able to take advantage of the concierge service is very nice too. It gives you access to a truly premium perk and makes it worthwhile to be a cardholder.
Having access to the concierge service can make your life easier in several ways. The concierge can act as a convenient facilitator for you and will be able to handle various different things. To add to this, you can expect very good customer service when you use this credit card. The commitment to customer service is very high and you will always be taken care of properly.
Credit card security options are absolutely top-notch as well. You can expect the latest credit card security features and should have an easy time keeping your account secure.
The rewards potential of this credit card is going to be fairly standard. There are other cards on the market that will allow you to earn greater rewards. If earning rewards is your main motivation for signing up, then this card may not be for you. You will also notice that this card lacks many features in comparison to similar cash rewards cards.
What is there is quite good but it is missing certain things. The lack of a signup bonus is one very noticeable omission. Some people will want to turn to other credit cards to get a more full-featured experience. Rewards redemption options are somewhat lacking too. You can only redeem your cash rewards for cash and it is kept very simple. If you like having more options when it comes to redeeming your rewards, then you may be left feeling underwhelmed.
Redeeming rewards is at least very simple, though, so you will never have problems getting the cash that you have earned. A high normal APR is going to be the most likely thing to keep you away from this card. The APR of this credit card is higher than the average cash rewards card so do watch out for it if you plan on carrying a balance. The special active duty APR can make up for this but you will only be on active duty for so long.
Take all of the different factors into account to see if this card is worthwhile for you. In order to get approved for this credit card, you are going to have to ensure that you have a good credit score. Your score should be in the s to have a likely chance of being approved. Keep in mind that you also need to meet the requirement of being a current or former military member or an adult child of a USAA member.
This credit card is going to have great appeal to members of the military. Of course, you pretty much need to have a military affiliation to even be considered for this credit card. Military members will be able to take advantage of various perks of having this card in their wallets.
It can come in handy and it offers many potential benefits. Active duty military personnel will be even more likely to benefit from using this card. The active duty military APR is very low and can be quite advantageous.
The APR is a bit high otherwise so some might not want to carry a balance on this card if they are not going to be going on active duty.
It just depends on your situation and what you are looking to do with the credit card. If you are looking for an alternative to this credit card, then you may wish to consider the Chase Freedom Unlimited Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.
This is another card that offers a standard 1. It has much greater rewards potential due to having better redemption options and being able to use the Chase Ultimate Rewards portal. You can really take advantage of some great deals when you use this credit card to its full potential.
See our full review of the Chase Freedom Unlimited. The card even has a fairly long introductory APR rate which can be very beneficial. For most people, the Chase Freedom Unlimited Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.
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