USAA Secured Card®

Issuer: USAA Savings Bank    Credit: poor
  • Great card for USAA member ONLY.
  • Low APR and security deposit earns interest.
  • Choose between Mastercard or AMEX.
USAA Secured Card®
Issuer: USAA Savings Bank
Network: MasterCard or AMEX
Credit Rating: Poor
  • It's a real credit card — not a prepaid or debit card, that helps you build or improve your credit score.
  • When you apply — you'll also be opening a USAA 2-year Certificate of Deposit (CD), an interest-earning deposit account that has a two-year term and a $250-minimum initial deposit.
  • Your CD is a security deposit — the money you put in upfront, from $250 to $5,000, is the card's credit limit.
  • Earn interest on your CD — your deposit is guaranteed to grow. Plus the money is yours to keep as long as you don't default on your payments.
  • Start building your credit — opening a CD lets you get a credit card even if you don't have a credit history or have bad credit.
  • Get a low 9.9% APR on purchases, balance transfers and cash advances. This rate is tied to the Prime Rate, an industry standard used to determine your credit card interest rate. This ensures that your rate won't be changed on a whim.
  • $35 annual fee, with no application fee.
Card Fees
Minimum Deposit: $250
Annual Fee $35.00
Monthly Fee $0.00
Purchase APR: 9.90% V
Cash APR: 9.90% V
Grace Period: 25 Days
Late Fee: Up to $35.00
Overlimit Fee: None
Return Item Fee: Up to $35.00
Max Credit Limit: $5,000
V=Variable, F=Fixed