Credit Card Review & Application

USAA Active Military Cards

4.0

out of 5

- Earn one point for every dollar spent on your everyday purchases.
- Get 2,500 bonus points with your first purchase.
- Earn points without a cap or expiration.
- Redeem your points for cash, merchandise, gift cards or travel.
- Redeem for cash on your mobile device.



Introductory APR: N/A*
Introductory Period: N/A
APR on Purchases: See Terms (variable)*
Annual Fee: $0*
Card Issuer: USAA Bank
Card Network:
Card Category: Consumer (Premium)
Card Type: - Instant Decision Card
- Low Interest Credit Card
- Military Credit Card
- Reward Card
Credit Needed: Accepts All*

The USAA Rewards Active Military MasterCard is a card for all active military personnel who are serving in the US Armed Forces. The application is available online, allowing everyone the convenience to apply 24/7.

After personal information is verified and a credit check is run, the credit response is provided. The low APR will then be presented. One benefit of the card is that it's the same APR for purchases, balance transfers as well as cash advances.

The card is a MasterCard, making it easy to purchase what's needed anywhere. The card is accepted globally. Foreign transaction fees will also be reimbursed if the cardholder is deployed overseas. Using the card is possible at the gas pump, the grocery store, online and over the phone.

Rewards and rebates can be earned on the card. Members of the military can choose whether they want the card to earn rewards or rebates. The rewards program earns points for dollars spent. The points are then redeemed for free travel, gift cards with top retailers, name brand merchandise and more. The rebate program is a percentage of all purchases in cash back. At the beginning of each year the rebate is processed for what was earned in the prior year.

Active military personnel can also enjoy other rewards. 100% rebates are given on finance charges during military campaigns that qualify. Deployments and PCS of up to 12 months can also earn special rates. This makes it easier to save money while being in the military and making purchases on credit.

Account management is also simplified with the card features. There is a mobile app for smart phones as well as online account access. Once a username and password is created, cardholders can log on to find out balances, available credit and make payments. Reminders can be sent by email to pay the bill and updates can be sent about credit lines reaching capacity. Online it's also possible to send messages to customer service or download statements.

Customer service operates 24/7 to answer questions on the account. They can be contacted with a toll free number that's located on the back of the credit card. Live representatives will answer questions at no additional cost to the cardholders.

The card from USAA Bank is designed solely for those currently serving in the military. With no annual fee and no minimum finance charge, the card is affordable to have. Cardholders also have the flexible payments they need to stay on top of finances. Interest can also be avoided by making full payments of the balance each month.


The review prepared by . Opinions expressed therein are solely those of the reviewer.

Reward Types: - Cash Back Reward Cards
- Gas Reward Cards
- Other Rewards Cards
- Universal Reward Cards
Reward Unit: Cash
Rewards: - Earn one point for every dollar spent on your everyday purchases.
Expiration: None*
Yearly Limit: None
Other Benefits: *See card Terms and Condition for additional travel and retail benefits
Online Account Access: Yes
Introductory APR: N/A*
Introductory Period: N/A*
APR on Purchases: See Terms (variable)*
Annual Fee: $0*
Grace Period: 25 days*
Min Finance Charge: $0.00
Late Payment Fee: $35.00*
Over Limit Fee: $0.00
Balance Transfer: Yes
Transfer Fee (%): 3.00%
Maximum Fee: $200.00
APR Cash Advances: 25.90%
Cash Advance Fee: 3.00%
Maximum Fee: $200.00
Additional Fees Foreign Transaction Fee: 1%
Returned Payment Fee: $35.00

We do not offer online application for this card at the moment.


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† The information provided for USAA Active Military Cards is believed to be accurate at the time of evaluation (Apr 30, 2017). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.




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