USAA 2.5% Targeted Offer [UPDATE MARCH 2017]

[Aduke1122]

Thanks for sharing UncleB , I don't have it reporting on mine yet , so strange that we were approved the same day and yours has showed up already . Does it show you a payment due date and statement day on your online acct yet ? I check my CCt every morning so nothing new yet

[UncleB]

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@digitek wrote:
I don't have the Limitless but I have 1 other and it is a separate website that you go through to mange cash back. There's no MC logo anywhere and it's always been really straightforward. Its like a USAA branded third party site i guess. I deposit cash back into my USAA checking and it happens instantly.

Not sure why they have the other site for it, but it's never bothered me.

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+1

If I were using it to transfer points, miles, or redeeming for merchandise I might dig into it a little deeper, but since it's cash (with instant credit) I've never worried about it either way. 

As long as I get my money it's all good! 

[UncleB]

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@Aduke1122 wrote:
Thanks for sharing UncleB , I don't have it reporting on mine yet , so strange that we were approved the same day and yours has showed up already . Does it show you a payment due date and statement day on your online acct yet ? I check my CCt every morning so nothing new yet

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I guess I'm special to them for some reason... LOL.  It's showing my DD as the 7th, and I'll be changing that to the middle of the month shortly (hopefully they're allowing that again).  Here's what I see:

[zyzzus]

I'm still annoyed this isn't available because I keep getting reminders that I am pre-selected for another credit card .

[Aduke1122]

That sucks sorry to hear it , it won't be too long I'm sure

[UncleB]

I have an additional data point... USAA pulled EQ, and the e-notice I got stated that my EQ score was 693.  I assumed this was a 'plain' FICO 8 but apparently it's not.

I checked my EQ FICO 8 today and it's 737, and that's after the HPs were added for USAA and Chase, so it's likely to have been in the 740s before my USAA application (which is what I'm accustomed to). 

It's neither here-nor-there, but I wanted to mention this since in my approval thread I mentioned that USAA reported my score as 693 and I had assumed it was a FICO 8, which apparently (and thankfully) isn't the case. 

[Gmood1]

Same here UncleB, they have me at a 701. This isn't FICO 8 for sure! Lol
Not sure what score this is? My EQ bank card is a 766.

[Aduke1122]

I have been told that they have their own formula for internal scoring , mine was about 25 pts lower than my fico 08 ..

[Anonymous]

The reason I am wondering, is because my line of thinking that the $1 redemption increments rule. As rewards program administer, MasterCard is likely to be the one who requires redemption to be in $1 increments. 

Unless, it really is USAA who requires $1 increments. My thinking is that it is MasterCard's rule as they are the 3rd party administer.

I am just curious about the $1 increments because that is how I have to redeem my Cashback Rewards Plus Amex card, and MasterCard is the adminster. 

[Anonymous]

And I've been told that they use Fico Classic V3 and Vantagescore V3 along with an internal score