UPDATED December 8, 2017 When it comes to choosing a credit card, it’s imperative that you choose a credit card that will benefit you overall. With the average credit card debt totaling $5,700, the credit card you pick can easily make or break you. We are in no way affiliated with USAA Visa Card, continue reading for USAA Credit Card Login access.
Many budget-conscious individuals understand how credit cards can affect them. However, they also recognize credit cards are important to their budget. With this in mind, they are selective about which credit card they choose, and, of those who qualify, USAA’s credit card is a surefire leader within the industry.
USAA is short for the United Services Automobile Association. It is a diversified financial company based in San Antonio, Texas that offers a host of financial products to our military and their families.
Pros of Having a USAA Visa Card
One of the benefits of being affiliated with USAA is access to their credit cards. USAA offers many credit cards backed by major credit card issuers like Visa, American Express, and MasterCard. These cards are accepted anywhere merchants accept Visa or American Express. The following are some of the benefits USAA cardholders get when they have one of these cards in their wallets.
They offer low-interest rates. USAA notoriously offers their cardholders low-interest rates; it’s one of the reasons why many people have at least one of their cards. With a low-interest rate, cardholders can quickly pay down their balances, even if they carry a balance from month-to-month.
They tend to have higher credit limits. USAA base their credit line decision on an individual’s credit history like many other financial institutions; however, they are generous when it comes to credit lines.
They allow you to transfer your balance. If you have a credit card with a higher balance than your USAA credit card, then you can easily transfer your balance to the USAA credit card and start saving money.
They offer a credit card for everyone. All too often, people who have less than stellar credit are denied credit cards. Fortunately, USAA has a credit card product for everyone. If you have a less than stellar credit history, you should consider owning their secured credit card. With excellent management, you may be able to convert it to a traditional credit card.
There are many other benefits to having one of the many credit cards USAA offers. It’s important to keep in mind, many of the advantages you’ll receive is based on the credit card available to you.
Disadvantages of a USAA Visa Card
As a must-have credit card for people who have an eye on their finances and who are eligible, it’s important that you consider the drawbacks of having a USAA credit card. After all, the more you know about your credit card, the better you are at managing it.
It’s exclusive to military members and their families. Unfortunately, everyone isn’t eligible to apply for the USAA credit card. The bank’s products and services are exclusive to their customers.
It lacks an interest rate introductory period. An interest rate introductory period is one-way credit card issuers entice would-be credit cardholders to apply for their card because it allows them to save money. Unfortunately, USAA doesn’t offer an introductory period.
The sign-up reward is small compared to other credit cards. Typically, credit card issuers offer sign-up rewards that lean heavily in the applicant’s favor to get their business. Unfortunately, USAA’s sign-up bonus is $25.
They charge a foreign transaction fee. USAA’s credit card caters to military families. Of course, these families are required to travel abroad. People overseas who use their USAA credit card are charged a foreign transaction fee.
All in all, the benefits of having a USAA credit card outweigh the drawbacks for many people. Especially, those individuals who can avoid the foreign transaction fee.
Managing Your USAA Credit Card Login
As a financial institution, USAA makes it easy for cardholders to manage their accounts online. With many people having an existing banking relationship with the company, accessing their credit card information is as simple as logging into their account. Cardholders can access their balance, credit limit, transactions, and other activities associated with their card by using their USAA credit card login.
Additionally, when they are on the go, they can use their USAA credit card login on their mobile devices to access their credit card information.
If you are interested in applying for a USAA Visa card or you need to contact them about your credit card, you can do so in-person, online, or by contacting customer service at 800-531-8722. You can also reach them using traditional mail by sending your correspondence to:
USAA Federal Savings Bank
10750 McDermott Freeway
San Antonio, TX 78288-9876
USAA Credit Card Login Issues
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