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Established Contributor
fusioncredit
Posts: 614
Registered: ‎10-23-2011
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USAA MasterCard vs USAA Visa

I have read a lot of people on here being approved for the USAA MasterCard but really no mention of the USAA Visa. Is the Visa card more difficult to get?


Starting Score: EQ 686 10/18/11, TU 689 10/25/11, EX 685 10/11 (Amex Pull)....these are all FICO scores
Current Score: EQ 702 10/24/11, TU 689, EX 685
Goal Score: 750+

Score Update: EQ: 743 (02/03/12) TU: 741 (Walmart 01/11/12), now 761 as of 01/27/12 (Walmart), EX: 741 (Amex 01/04/12)
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drsmith
Posts: 389
Registered: ‎11-27-2010
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Re: USAA MasterCard vs USAA Visa

I think the Visa is just much less desirable. As far as I know, it doesn't offer anything but a low APR.


Starting Score: 703
Current Score: EQ 773 4/11/14
Goal Score: 800


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Established Contributor
fusioncredit
Posts: 614
Registered: ‎10-23-2011
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Re: USAA MasterCard vs USAA Visa


drsmith wrote:

I think the Visa is just much less desirable. As far as I know, it doesn't offer anything but a low APR.


According to their site they are the same cards...only difference one is MC and the other VISA


Starting Score: EQ 686 10/18/11, TU 689 10/25/11, EX 685 10/11 (Amex Pull)....these are all FICO scores
Current Score: EQ 702 10/24/11, TU 689, EX 685
Goal Score: 750+

Score Update: EQ: 743 (02/03/12) TU: 741 (Walmart 01/11/12), now 761 as of 01/27/12 (Walmart), EX: 741 (Amex 01/04/12)
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Valued Contributor
p-
Posts: 2,634
Registered: ‎06-05-2008
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Re: USAA MasterCard vs USAA Visa


fusioncredit wrote:

I have read a lot of people on here being approved for the USAA MasterCard but really no mention of the USAA Visa. Is the Visa card more difficult to get?


Dunno - I went with the AMEX. 

  8-12-14: FICO EXP: 797 - EQU: 734 - TRAN: 739 - AVG: 757 - +207 points from JUN 2008 - MY CREDIT JOURNAL

Super Contributor
CS800
Posts: 6,552
Registered: ‎04-07-2008
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Re: USAA MasterCard vs USAA Visa

I would think the AMEX ones are more difficult to get while the MC or VISA are on the same level. I'm assuming that.




Valued Contributor
p-
Posts: 2,634
Registered: ‎06-05-2008
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Re: USAA MasterCard vs USAA Visa


CS800 wrote:

I would think the AMEX ones are more difficult to get while the MC or VISA are on the same level. I'm assuming that.


Look on the "My Offers" tab to see if you're pre-approved.

  8-12-14: FICO EXP: 797 - EQU: 734 - TRAN: 739 - AVG: 757 - +207 points from JUN 2008 - MY CREDIT JOURNAL

Regular Contributor
Gollum
Posts: 138
Registered: ‎10-09-2011
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Re: USAA MasterCard vs USAA Visa


fusioncredit wrote:

I have read a lot of people on here being approved for the USAA MasterCard but really no mention of the USAA Visa. Is the Visa card more difficult to get?


USAA currently offers World MasterCards but (apparently) not (yet) Visa Signature cards.

 

World MasterCards and Visa Signature cards are No Pre-set Spending Limit (NPSL) cards.

 

Most credit card companies (CCC) are currently pushing NPSL cards.  The CCC makes more per transaction, consumers are tempted by the rewards, and the higher interest rates discourage carrying a balance.

 

So I'm guessing that USAA currently prefers that new applicants get a World MasterCard instead of a traditional Visa.


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