USAA Secured Card American Express®

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  • It’s a real credit card that helps you build or improve your credit score.
  • The card is secured by an interest-earning CD that you establish and is guaranteed to grow.
  • Your credit can improve when you avoid going over your limit and make payments on time.
Annual Fee:
$35
Purchase Intro APR:
N/A
Purchase Regular APR:
10.15% - 20.15%*
Variable
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
10.15% - 20.15%*
Variable

Details, Rates & Fees

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 10.15% - 20.15%* Variable
Cash Advance Fee 3%
Late Fee Up to $35
Penalty APR None
Balance Transfer Fee 3%
Foreign Transaction Fee None
Return Payment Fee Up to $35

Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
boxingurl0714
Excellent tool to rebuild credit
by boxingurl0714
Helpful to 55 out of 56

After some bad choices in my youth and then some health problems that made it difficult to keep a job I had a lot going on with my credit. It sunk way down into the 530 range and for a time I did give up all hope of how I'd repay, which agency I was supposed to repay to even benefit my credit, etc. Finally I got into the years where some smaller debts started coming off my credit and I figured I should take the time to learn proper use of a credit card, the utilization, when to pay it down, and what to pay down. It has been a great experience so far. The first few months my score went up 9pts each month and then the gain was a little lower. It stopped for a while after a gain of about 35 or so points. But just recently at the year mark it shot up another 42 points! So I've gone from 530 ish to 616 in a year. I've only used customer service once but they were prompt in their response and solved my issue easily. I have had another CC in the past and I'd say I definitely don't have that fear of being with a shady company like I did before. As long as you stay around 20% utilization and pay in full when the bill becomes available then this is a great addition to any credit recovery plan.

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
KIDudley84
Doesn't Graduade
by KIDudley84
Helpful to 52 out of 56

Decent card. Their customer service is outstanding.  I rated this card a 3/5 because it doesn't graduate. You have to open a new card and close this one out to get your security deposit.  If this is one of your older credit lines, you'll take a hit closing it out. Other than that, the card is fine.


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‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from June 2016 through November 2016. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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