Card
Network

VISA
Bank

USAA Federal Savings Bank
Issuing
Country

United States
User
Category

Consumer
Card
Type

Unsecured
Credit
Recommended

Good - Excellent
Interest Rates
Maintenance Fees
Customer Service
Features & Benefits
Reward Program
Card Overall Rating

MAIN CARD FEATURE

No annual fee, no foreign transaction fees, no penalty APR.

CARD DETAILS

  • Enjoy USAA's lowest rate card.
  • No annual fee, no foreign transaction fees, no penalty APR.
  • USAA membership is available to active and former military and their eligible family members
+ Pros
  • No annual fee.
  • No penalty APR.
  • No over-the-limit fee.

PURCHASES

Intro
APR

N/A
Ongoing
APR

8.90% - 25.90% Variable
Penalty
APR

None
Minimum Grace
Period

25 days
Minimum Interest
Charge

None

BALANCE TRANSFERS

Intro
APR

N/A
Ongoing
APR

8.90% - 25.90% Variable
Balance Transfer
Fee

3% on balance transfers and cash advances; $200 maximum
Penalty
APR

None
Minimum Grace
Period

0 days

CASH ADVANCE

Intro
APR

N/A
Ongoing
APR

8.90% - 25.90% Variable
Cash Advance
Fee

3% on balance transfers and cash advances; $200 maximum
Penalty
APR

None
Minimum Grace
Period

0 days

GENERAL FEES

Application Processing
Fee

See terms
Annual
Fee

$0
Foreign Transaction
Fee

None
Late Payment
Fee

Up to $354
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