USAA

[nicholasyud]

what the great benefit about USAA credit card ? are they worth to apply for it ? i was joined the member not too long ago and see their offer not that great for their credit card ( not a full member )......anyone had their card ?? are they good with credit limit and increase ? wat my change of 660 fico score ???

[ceejx]

---

@nicholasyud wrote:

what the great benefit about USAA credit card ? are they worth to apply for it ? i was joined the member not too long ago and see their offer not that great for their credit card ( not a full member )......anyone had their card ?? are they good with credit limit and increase ? wat my change of 660 fico score ???

---

High CLs and low APRS for similar credit profiles when compared to other banks, they have Visa, MC & AMEX, of which you can hold multiple products at the same time (I have 2 so far) & they're about to upgrade their rewards system, including higher points for specific stores similar to the online mall.

[nicholasyud]

are they about to upgrade soon ?????how much limit they offer you when you had them ? did they math your highest limit ????

[Elcid89]

---

@nicholasyud wrote:

what the great benefit about USAA credit card ? are they worth to apply for it ? i was joined the member not too long ago and see their offer not that great for their credit card ( not a full member )......anyone had their card ?? are they good with credit limit and increase ? wat my change of 660 fico score ???

---

Their best rates and terms seem to be reserved for full members, and AFAIK several of their credit products are only available to full members.

In my case, they've been worth it. My rate advantage card, while being completely no frills, has an APR of 5.75%. On a credit card ... It just doesn't get any better than that.

[youngandcreditwrthy]

Yeah, Ive heard their best terms and limits are only avail to full members, which deterred me from apping for the USAA Amex.

[Anonymous]

Their "rewards" SUCK.

Cash Back is based on Tierd spending levels begining with the first tier of < 1/2 a percent Cash Back (0.45%)

Usaa needs to get competitive

[Elcid89]

---

@Anonymous wrote:

Their "rewards" SUCK.

Cash Back is based on Tierd spending levels begining with the first tier of < 1/2 a percent Cash Back (0.45%)

Usaa needs to get competitive

---

Plus an additional 1% of all gas and grocery purchases. This is the tradeoff for having no annual fee.

[Anonymous]

---

@Elcid89 wrote:

---

@Anonymous wrote:

Their "rewards" SUCK.

Cash Back is based on Tierd spending levels begining with the first tier of < 1/2 a percent Cash Back (0.45%)

Usaa needs to get competitive

---

Plus an additional 1% of all gas and grocery purchases. This is the tradeoff for having no annual fee.

---

The additional 1% is only for the Amex.

All of their cards have no AFs.  

Their are other banks with more cash back rewards and with no AFs.  Like the Citi Dividend:  1% Cash back, no AF, and no Spending tiers.  

Unless Usaa gets competitive, I see no reason to get any of their "rewards" cards.

[Elcid89]

---

@Anonymous wrote:

---

@Elcid89 wrote:

---

@Anonymous wrote:

Their "rewards" SUCK.

Cash Back is based on Tierd spending levels begining with the first tier of < 1/2 a percent Cash Back (0.45%)

Usaa needs to get competitive

---

Plus an additional 1% of all gas and grocery purchases. This is the tradeoff for having no annual fee.

---

The additional 1% is only for the Amex.

All of their cards have no AFs.  

Their are other banks with more cash back rewards and with no AFs.  Like the Citi Dividend:  1% Cash back, no AF, and no Spending tiers.  

Unless Usaa gets competitive, I see no reason to get any of their "rewards" cards.

---

I'm not seeing the drawback. There is no cost associated with having the cards, they offer something of a reward structure (anything given back is a positive IMO) and USAA isn't particularly stingy with initial CLs for full members. It's not as if consumers are limited to X number of cards in their wallets.

[Anonymous]

---

@Elcid89 wrote:

I'm not seeing the drawback. There is no cost associated with having the cards, they offer something of a reward structure (anything given back is a positive IMO) and USAA isn't particularly stingy with initial CLs for full members. It's not as if consumers are limited to X number of cards in their wallets.

---

IME, their cards are more geared to BTs.  They offer intro BT rates and usually lower APRs.  They offer no sign up bonuses, no intro Purchase APRs, and horrible "rewards."  

Their cards are less than stellar.  Definitely not worth the HP, IMO (unless you need a low APR card or need to do a BT).