cancel
Showing results for 
Search instead for 
Did you mean: 

USAA MasterCard vs USAA Visa

Established Contributor

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)
Take the FICO Fitness Challenge

Message 1 of 7
6 REPLIES
Frequent Contributor

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 820 4/11/16
Goal Score: 800


Take the FICO Fitness Challenge
Message 2 of 7
Established Contributor

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)
Take the FICO Fitness Challenge

Message 3 of 7
Valued Contributor

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. 

3-26-15: FICO EXP: 828 - EQU:820 - TRAN: 828 - AVG: 825 +275 points from JUN 2008 - MY CREDIT JOURNAL

Message 4 of 7
Super Contributor

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.




Message 5 of 7
Valued Contributor

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.

3-26-15: FICO EXP: 828 - EQU:820 - TRAN: 828 - AVG: 825 +275 points from JUN 2008 - MY CREDIT JOURNAL

Message 6 of 7
Regular Contributor

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.

Current Score: 850 (11-29-2017 Experian FICO 08)
Message 7 of 7