USAA
USAA Secured American Express® Credit Card
SecuredNo Annual FeeBuilding CreditNo Foreign Transaction FeesFair Credit
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | No signup bonus |
| Rewards Rate | 1x points |
| Regular APR | 26.40% Variable Regular APR |
| Other Fees | No Foreign Transaction Fees Balance Transfer and Cash Advance fee is 5% of each transaction amount.see note 1 |
| Network | American Express |
Read the full review
Best for those with
Fair Credit
About this card
The USAA Secured American Express card is primarily a credit-building tool, and its overall rating reflects this focus. It earns a 2.6 out of 5.0. Its strengths lie in its accessibility (secured card), no annual fee, and reporting to three major credit bureaus. The USAA brand also lends credibility. However, the high APR and lack of rewards significantly limit its value. The card is best suited for those with fair or limited credit who prioritize building credit over earning rewards. Its reputation aligns with this purpose, but the high cost of carrying a balance and the absence of any rewards program hold it back from a higher rating.
2.6
Overall Rating
Pros & Cons
What's great
- No annual fee
- No foreign transaction fees
- Reports to credit bureaus
- Mobile payment options
Things to consider
- High regular APR
- No sign-up bonus
- No rewards
What this card offers
Sign-up bonuses
Rewards
Other features
- An American Express® credit card — not a prepaid or debit card
- A credit limit that could range from $250 to $5,000, backed by an interest-earning security deposit
- Credit card activity reported to three main credit bureaus
- If you use your card responsibly, you may qualify for an upgrade to an unsecured USAA Bank credit card
- Rely on us — from secure logons to zero liability for unauthorized transactions.see note 9
- Set up a variety of alerts on your mobile device to stay informed.
- Report a lost or stolen card online or in the app.
- Auto Rental Coverage
- Travel Accident Insurance
- Trip Cancellation and Interruption Coverage
- Baggage Delay and Reimbursement
- Access USAA customer service 24/7 online.
- Take advantage of extended warranty protection on U.S. manufacturers' warranties.see note 3
- Add your card to your phone for fast mobile payments or checkouts.
- No Penalty APR
- Apple Pay
- Google Pay
- Samsung Pay
Additional Notes
Membership eligibility and product restrictions apply and are subject to change.
Ratings
3.8
1.5
1
1.5
3.8