USAA Secured Cards® American Express® Card Reviews

Approval Odds

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4.3 out of 5 stars
6 Reviews

From Cardholders in the last year

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Application Process

4.5 out of 5 stars

Customer Service

4.5 out of 5 stars

4.5 5

Card Details

  • Balance Transfer Intro APR Not Applicable
  • Balance Transfer Regular APR 10.65% - 20.65%* Variable
  • Annual Fee $35
  • Purchase Intro APR Not Applicable
  • Purchase Regular APR 10.65% - 20.65%* Variable

These reviews were written by current and former cardholders in the last year.

May 14, 2017
Be prepared for no one to know anything
blaqout31 Cardholder

I opened this account this year and for the first month after I made my initial deposit no one could tell me when I would receive my card. It was not what I expected from USAA. They don't report every month either, once every three months.

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May 12, 2017
megenfae Cardholder

I have had this card for almost 2 years and it has helped a lot. I only applied for it to help my credit score so I only have a $300 limit. Within the first couple of months, my score was up by 50-60 points, I was very surprised. There is an annual fee but it's worth it in my opinion. I also have a bank account with USAA, so when I make payments it's instantly applied to it and it's also my backup in case I overdraft on my bank account so I won't get penalized. They also give you a free Experian credit check service where you can keep up with your score monthly. When I opened this account there was also a 2-year CD account with a 54% interest, so the more you have the better when it matures. Overall, I think it's a great option for those trying to rebuild, customer service has always been great with USAA in all the services they provide.

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May 10, 2017
Lyrical1983 Cardholder

I have had this card for almost 2 months and it reports every month. Your credit score goes up as long as you pay it off or use less than 30% utilization. Check it out for yourself!

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May 10, 2017
Good card
Anonymous Cardholder

I have this card and the USAA visa secured card. I was rebuilding my credit,  at the time and yes it has helped with my credit score. My credit I beileve was in the 500's and now in the 600s, I opened the amex last year because I tried for the delta skymiles card and didn't get approved the year before that which was early to mid 2015. I finally got approved for the delta skymiles card, so I am thinking about closing this one. As far as the limit goes, you can set your own limit for each of these cards from $250-$5,000. And that is all, right now there is not an option for the card to become unsecured after a certain time but hopefully they will include that sometime in the future. Also, it is used as a real credit card not a prepaid one(even though it is)  I hope this helps.

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Mar 20, 2017
I have and they have been vital.
davidshelton88 Cardholder

I placed a 300 limit on my card and I have paid the bill (down to 3%) every month on time and my score rose 60 points.

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Mar 31, 2017

What was your credit score when you applied for it ?

Jun 05, 2016
Great Card
Anonymous Cardholder

My credit sucks, got this USAA secured Amex and its good, i dont see how people wouldnt get approved for it though since its a secured card?  Either way, ive been happy with it, i dont use it that much but ive loaded a few thousand bucks on it so it comes in handy.

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Apr 29, 2017

Why only a few thousand. Why not more!!!

May 08, 2017

Waft was your Credit Score when you got approved for this card?

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USAA Secured Cards® American Express® Card