@Anonymous wrote:I've been wondering, is it normal for CC companies to run test markets? Why wouldn't their research, historical data, and trends, pricing, expenses, etc. be worked out already and figured into their business plan and product model? Why would they have to do backend research, then a limited test market pilot program before deciding the profitability. Their data should already confirm whether or not offering up to 2.5% CB is profitable and at acceptable margins.
Is this abnormal or normal for a CC company to do this?
Competitive market analysis and the rest that you mention isn't always foolproof. This is the first time to my knowledge USAA has done this sort of thing, it's really only been tried by CU's previously in terms of scaling rewards (or discounts in some cases) based on how much relationship has been established defined on any number of criteria.
USAA is a financial giant compared to many of those and we've seen what happens when there's a proverbial run on a credit card on this forum even. USAA is also a fairly conservative bank, so when they're going to run a product right out to the profit margin's razor edge, I can't fault them for being twitchy, and it's not abnormal corporate behavior let alone for a bank.
Texas is a decent market to try to test quietly, Chase / Amex / et al. are far more prevalent there than they are in some of the states that were officially announced; we've already seen where folks will push something for all it's worth, though if approved for this card I'd play it straight up anyway. As is my financial life is becoming more complicated with the HELOC and it's a two step process to shuffle money around now (USAA is flatly the best I've found for that) so simply dumping some direct deposit into USAA directly and then one hopping it to DCU or Chase or the rest of the financial institutions I have loan terms with probably would be a smart decision on my part for simple QOL and cut out half the transaction delays.
Ok does anyone want to make any predictions for January 1st?
I'm hoping that if not January 1st, then January 2nd since that is Monday. But then if not, January 3rd since January 2nd is a Federal Holiday/Bank Holiday.
P.S. to OP: I am wondering if changing the title from "targeted offer" to "new USAA 2.5 card" to make this thread more related to the content...I have search all of the Internet and on other CC forums and this is the only forum that has mentioned this card....besides the redit forum you mention in your first post. Because I notice this thread quickly gets buried by more popular threads, idk why this IS such a great card!! 
They might be getting ready to launch this card!!!! 
Anecdotal: while logged out of usaa, I went to the credit card section, selected my state and the cashback screen displayed "Showing 5 of 14 cards" the limitless card displayed shortly then disappeared as the page continued to load. After it disappeared the page still said "Showing 5 of 14 cards"
Looks like USAA is updating their website for this card to launch very soon!!!
Try it for yourself, clear cookies and cache, do not login, select your state and see what happens.....I had been doing this all along for weeks/months since finding out about this card and it never done this it only displayed "Showing 4 of 13 cards"
Go try it out!
I'm so excited!!!!
I'm getting the same results... using my state it says "Showing five" but only displays four.
When I change the state to LA (using private browser) it shows all five, including the Limitless:
Hopefully this means they are getting it ready for the rest of us!
Just checked to see if the limitless was available in Alabama.
It's on and popping folks! UnkaB you might want to check your area again.😉
We're about to light this one up! I already have one $25k card with them. This one should grow fast over the next 18 months. Current scores and stats in signature. 6th new account in less than two months.
