USAA Secured Card Visa Platinum®

APPLY NOW
  • Have a real credit card - not a debit or prepaid card.
  • Determine your own credit limit.When you apply, you'll open a two-year certificate of deposit (CD) with $250 to $5,000.
  • The balance of your CD is your credit limit.
  • Earn variable interest on the balance of the CD (currently 0.54% Annual Percentage Yield)
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
AZddweller
Great CC if you are trying to rebuild.
by AZddweller
Helpful to 13 out of 13

My sole purpose in obtaining this card is to rebuild my credit. I was hit pretty hard when the economy tanked in 2008. The overall application process is simple and despite the lengthy times advertised, the entire process only took ten days before I received my card. I started with a 467 CS (EQ) and thanks to this card and using it responsibly for just a month, my score jumped to 648. USAA does report to all 3 credit bureaus as stated, TU and EX show the card as a new account, they have not as of this review show any credit utilization. I am confident, however, that once they catch up, those scores will increase as well.

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 Review
AZddweller
Great CC if you are trying to rebuild.
by AZddweller
Helpful to 13 out of 13

My sole purpose in obtaining this card is to rebuild my credit. I was hit pretty hard when the economy tanked in 2008. The overall application process is simple and despite the lengthy times advertised, the entire process only took ten days before I received my card. I started with a 467 CS (EQ) and thanks to this card and using it responsibly for just a month, my score jumped to 648. USAA does report to all 3 credit bureaus as stated, TU and EX show the card as a new account, they have not as of this review show any credit utilization. I am confident, however, that once they catch up, those scores will increase as well.


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† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ 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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