How Good are USAA Credit Cards in 2018?

How Good are USAA Credit Cards in 2018?

As a leading financial institution, USAA offers a wide range of credit cards to meet the needs of different customers. If you are considering applying for a USAA credit card, you may wonder how good they are in 2018. In this article, we will examine the key features and benefits of USAA credit cards, as well as some tips for choosing the right card and using it wisely.

Overview of USAA Credit Cards

USAA credit cards come in several categories, includingrewards,cashback, low interest, and secured cards. Each card has its own perks and rewards, such as cashback on purchases, points for travel, and discounts on car rentals. Depending on your spending habits and credit score, you can choose a card that suits your needs and preferences.

One of the main advantages of USAA credit cards is theirlow feesand interest rates. Most USAA cards have no annual fee, no foreign transaction fee, and a low APR for purchases and balance transfers. This can save you money in the long run and make it easier to manage your finances.

Another benefit of USAA credit cards is theirenhanced securityfeatures. USAA uses advanced fraud detection technology, 24/7 monitoring, and zero liability protection to prevent unauthorized transactions and protect your identity. You can also set up alerts and notifications to monitor your account activity and stay informed about any changes.

USAA Rewards Program

USAA offers a flexible and easy-to-use rewards program for its credit card holders. With the USAA rewards program, you can earn points or cashback on every purchase you make, and redeem them for a variety of options, such as travel, merchandise, gift cards, and statement credits.

There are several types of USAA rewards cards, including the USAA Rewards Visa Signature Card, the USAA Preferred Cash Rewards Visa Signature Card, and the USAA Cashback Rewards Plus American Express Card. Each card has its own reward structure and benefits, so you can choose the one that fits your lifestyle and goals.

Tips for Choosing and Using USAA Credit Cards

When applying for a USAA credit card, it's important to consider your credit score, income, and spending habits. You should also read the terms and conditions carefully, and compare the fees, rewards, and benefits of different cards.

Once you have a USAA credit card, you should use it wisely and responsibly. This means paying your bills on time, staying within your credit limit, and avoiding unnecessary purchases. You should also monitor your account regularly, and report any suspicious activity or errors to USAA immediately.

In addition, you can take advantage of various credit card savings strategies, such as using your rewards points for travel, taking advantage of promotional offers, and negotiating with USAA for a lower APR or annual fee. You can also consider using a budgeting app or tool to track your expenses and avoid overspending.

Conclusion

Overall, USAA credit cards are a good choice for people who want a low-cost, secure, and rewarding credit card. With a variety of options and benefits, you can find a USAA card that suits your needs and helps you achieve your financial goals. By following the tips and strategies outlined in this article, you can make the most of your USAA credit card and avoid common pitfalls and risks.