No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
USAA may do it like NFCU in that they use the primary applicant's score in determining the rate...
My husband was co-applicant on our NFCU car loan in October and they based the rate offered on my scores.... before applying, I called to see if him being on the application would be a bad thing since his scores were lower... They said no, they don't even look at his scores. They did pull his credit but didn't base the rate off his scores.
We got 1.79 for 60 months on a 45k loan.