USAA Credit Card Reviews

Was on hold for over 2 hours to get help with a credit card question and never got through to a person who could help! Will have to try calling back again but not hopeful that I'll be able to get help!

USAA's credit card service is one of the worst. They are now REQUIRING its members to link CC payment to checking or savings account, yet when I called with concerns, the customer service rep referenced "an increase in fraud" as the reason why, yet (1) logon is required; (2) code is required, sent to YOUR cell phone; (3) confirmation # is given with payment; and (4) (probably the most ridiculous) is that when I added my savings acct in order to make my CC payment (or else get penalized for late payment), I received a text to my cell phone that stated someone had added an account and if it wasn't me to contact USAA immediately. Seriously? Yes, please, if someone else is linking their bank savings account to my account in order to PAY my CC bill, please let them do so. So absolutely ridiculous.

Have had a card with USAA for a few years, granted it has increased to 16%. Never received a second card for a 0 percent, to transfer a remaining debt of 6000 from another card that I will lose my 0 percent in a month. Called and was told that they can send out another card and cancel the one I never received in the mail.

Worse credit card provider you can get. Trying to get through the automated service using phone keypad is useless. It would not accept my credit number or social security number. All I was trying to do was get my balance. I then tried to get a representative for 35 minutes and finally hung up. As an eight year Navy veteran I’m sorry this company uses veterans as an excuse to get credit card customers and then provide them with such terrible service. I will certainly limit any further use of my credit card with USAA.

I went on to pay my credit card, and I put in all my banking information, made a payment and when I went on to make another payment, it said I had a past due amount. I made another payment and I called to find out why my past payment did not go through. I called and it said I had a hour and 15-minute wait and was able to have them call me back. A representative called me back, I explained the situation and they transferred the call, long story short I was transferred 4 times and spent 2 hours and 45 minutes on hold and the phone disconnected. I called back this morning and was transferred to the banking department, the representative was very nasty and talked over me until I just lost my patience.

Updated on 03/08/2024: USAA has not resolved my problem. They essentially wrote me and said the offer was not meant for me. I want to add the following information to my previous post about this.

I just set up a credit card with USAA. The process was very detailed and took a long time of talking to a person on the phone and answering tons of questions. In the end, the credit limit they provided was not satisfactory. Since then, each time I call customer service, it's a very lengthy process. Recently I tried to make a payment. I hit Pay my bill. The system then took me to a screen where I could only add my checking information (it did not accept any debit card). I entered all account information to make the payment. I have been watching for the payment to post. It did not. I went into my messages and apparently, you need to first hit submit and do another verification process. It will now take 10 days to verify my account before I can even make an "electronic" payment. In my experience "electronic" payments should be almost instantaneous.

The Credit Card department is so Slow and takes several calls to speak to someone, 5 attempts to reach them and finally got a snotty little girl who said I have to re apply for a credit card that was approved but they say that customer service called me twice and I did not answer. I am using my phone for work and the people know I always answer my phone, now they would like me to apply for a Credit Card, the same one I applied for a month ago. So stupid of a business practice. Horrible people and Not that good of a rate either, just wanted to use the 15 months at zero, I would have kept using them, they are horrible.

Had charges on my credit card that I didn't make. Called 4 times, talked to 8 people, each time they said they would take care of. No one did, they referred it to credit bureau and my credit went from 830 to 740. Over a measly $200. I'm 78 years old and I've Always pay for anything I charge, I'm sooo upset that they lied to me, very nice but ruined my credit over a measly $200. I'm calling Consumer Financial Protection Bureau and State Attorneys office this morning as soon as they open. What a miserable way to treat a person, and miserable way to run a business.

I have many accounts with other companies and have no to little issues. USAA on the other hand has many problems with communicating and customer service. I have set up auto payment multiple times in the last year. I have set this up online and over the phone as WELL my wife has. I look at my bank and notice they have not auto-drafted and immediately make the payment INCLUDING the overdraft plus some extra. This obviously cost me money for their mistake that they don't own up to.

I’m surprised that their credit cards are still a thing. They are straight up thieves. The interest rates are awful and they don’t apply your payment to your account right away. Customer service is not helpful at all. The worst part for me is paying on my account and not seeing the balance go down. Don’t waste your time or money.

I've been a customer of USAA for well over ten years having mortgages, auto loans, credit cards, life insurance, auto insurance, brokerage account, and homeowner's insurance. I informed USAA that I was being scammed by an out-of-country vendor, but they refuse to help me and say I just need to hope that the vendor will do the right thing and refund me. I told USAA that they failed to refund me and I originally requested a stop payment two days after the transaction. I have spent a lot of money with USAA over the years and this would be nothing for them to handle, but it's a lot of money for me. USAA doesn't care about their customers any longer. Go to a small community bank that cares about your business.

I have had good experiences in them handling business transactions in which the business doesn’t hold up their end of trade. They are way better than Chase and US Bank who nonchalantly gauge you, even if you’ve been a loyal customer since college. You may call to ask for a better rate, especially since your credit is good and you’re now middle aged, and you’ll just get a foreigner tell you “no, is there anything else”? USAA cares about their business and dealings here.

EVERYONE - IF YOU HAVE A USAA CREDIT CARD - NOTICE THEY ARE NOT SECURE. I've had a card for several years, its stays in my cabinet and only exists to allow them to post my car insurance to the card. IT NEVER EVER is or has been used for any other transactions since the day got it. Last week there were three charges to the card, a pharmacy and two hotels, somewhere out West. All charges were caught and reversed or denied. HOW I asked is this possible? The only way that info could have gotten out is if USAA was hacked. No the info is not on my computer or phone, they're basically a ghost card. USAA said they will not disclose investigation or information about this. Cancelling cards, changing insurance, DO NOT TRUST THEM!!!!

Until recently, we have been very happy with USAA. I have had a credit card with them for 20+ years. I recently had some fraudulent charges on my account. In the past, I was able to quickly have issues like this resolved. In this case, I have talked to 3 different representatives for over 3 hours and had a supervisor pulled in. Not only are the charges still on my account, but they reversed the charges in the wrong direction. Now I have almost $4K of inaccurate charges on my account. I asked for something in writing after the last call which I was assured I would receive via email immediately. I haven't received anything and nothing has been corrected. I am very disappointed to say that once resolved we will no longer be using the card and would recommend with the high amount of credit card fraud today that you look for a company with better customer service if opening an account.

I own several credit cards and I have my home and car insurance thru USAA so decided to consolidate cards with the USAA Card. Don’t. Finance charges keep changing overnight and I recently had a high fraudulent charge and I called several times to dispute the charge. The was looking into it for 45 minutes one evening and then another rep looked into it while I was on hold for 30 minutes the following week and there were no notes of previous calls. They asked me multiple times for my documentation of the dispute including pictures and a statement of the series of events. USAA did nothing. I moved my balance to a zero interest card last week and will be closing this account. I expected more.

Been a USAA customer for over 30 years, and have had nothing but issues with the payment processing center for 2 months in a row. We always pay the card in full every month, and it all started when we made one large purchase and all of a sudden our payments made through Wells Fargo went from processing in 2-3 days are now 3 weeks to be posted and we are getting hit with interest charges that are outrageous. We are sending the payment by billpay 10-12 days before being due. Have copies of the dated payments that were sent, but are not being processed.

We began getting cash advance fees charged to our card each month after the statement closing date starting in 2023. We contacted USAA and the CSR could not understand what our problem was. The problem: they are charging fees now even though we pay the cash advance in full plus the interest within two days of the transaction but we are still charged and continue to be charged the interest, even though the card is paid off. It never used to be like this until December 2022. Found out USAA was sold and now our insurance coverages have changed dramatically for the worst, our credit card now has serious fee calculation problems, and customer service cannot help fix anything. We have been with USAA for more than 30 years but looking to get away from it which is such a hassle. We do not recommend the USAA American Express card.

Yes every time that I use my USAA credit card it reports automatically to the credit bureaus within a couple of days! I had a streaming service come out for about $10-12 and it dropped my credit score 12 points. That’s ridiculous! They don’t even give you a chance to pay on it before they report it!

My rewards history states I have earned 13010 and have availability 7117. I am advised my rewards don’t expire. I am a new rewards card holder. I was bounced between rewards department and customer service. No one can tell me where my missing points went. Customer service is questionable if they can’t explain the history of the rewards and for a new account. I will rethink using this account for my primary reward earner. I expected more from a military business. Hope they can regain my loyalty.

Someone stole my credit card then charged $17.00 on it. I contacted the fraud department & told them of the theft of my credit card. Five years have passed yet I am still disputing the $17.00 charge on my credit card. USAA bank is committing a felony by trying to extort money from me. I’m a disabled veteran who is being taken advantage of. USAA bank has threatened bodily harm to me over the $17.00. I’m a senior citizen with a host of illnesses yet USAA bank is ruining my credit. I don’t owe USAA bank $17.00 but they charged off the amount & ruined my credit. USAA bank is guilty of extortion & civil rights violation.

I've been a USAA member for over fifty years. Recently I went on a cruise that included the eastern US and Canada. Weeks before leaving, I completed a travel notification on the USAA site for the period I was traveling. The first time I used the card in Canada, their fraud division froze my card over a $15 purchase of two beers. I had to spend 15-20 minutes on the phone verifying my ID to get it unfrozen. Obviously, their computer program pays no attention to travel alerts. In the future, I will leave the USAA card home when I travel.

Paid USAA credit card in full weeks before statement payment was due. USAA Bank didn't disclose that it holds payments, even those made via ETF, before applying to account which, of course, would bring "available credit" back to maximum amount. Account even had a credit balance due to a merchant refund. Never had a large credit card payment held because of "algorithms" designed to prevent fraud (USAA's explanation) and as noted above, the payment was made via ETF thus it left my account and received by USAA within 24 hours.

I had a fraudulent charge on my credit card, which I disputed and had it removed from my account. However, I was charged interest on those charges and USAA refused to remove them even after several reps verified over the phone that they should be removed. I had multiple reps submit approval to remove these interest charges but the fraud department continuously rejected the claims. Eventually this impacted my credit score so I gave up and paid the interest for purchases I didn’t make so I could just close out the account and never deal with USAA credit services again. I would give zero stars if I could.

It's a shame. I've had a USAA credit card for 29 years! During this time, I've never had a problem; I paid my bill every month and on time, without fail. This past Feb 2022, I had a fraudulent charge show up. This was a product I had, indeed, ordered but what showed up was completely different as in not even in the same category as what I had ordered. Long story short, I received one oven mitt from China. What I had ordered cost approximately $78.00. I submitted every bit of information I had 2 or 3 times to no avail.

I have banked with USAA for a dozen years. I opened a USAA $1k secured CC 6 years ago and used and paid it regular. Meantime I opened cards with AE, NFCU, CHASE, Citi, and Discover. This past January I applied for a USAA rate advantage card. I was granted a $20,500 limit. Today, less than 6 months later USAA raised my limit a $1k to $21,500.00. Recent Fed interest hikes and my interest rate is 11%. My USAA secured card is still secured but that's just fine. In the past I saw no issue running a card to the limit, and then I saw the light. I pay off cards monthly by the statement closing date, not by the due date. If I need to keep a balance for the month I keep it below 30% of card limit. I typically keep my balance around 2% of credit line or less. Most are paid off. USAA IS pretty straight up. It's not their fault if someone doesn't understand industry standard rules and guidelines. I can gladly recommend USAA cards and services.

I used my card a few times and then it started to be declined. I would call and they couldn't find out why. They double processed my payment and took almost 1000 dollars more than necessary. Customer service was totally useless, card is an embarrassment to try to use.

They have poor communication skills. They made me wait 1/2 hour to speak to an agent. The agent was very rude I could hardly understand her. She refused to accommodate me to the end. I could not remember my password number. She became irritated and betrayed me.

I have been with USAA for over 30 yrs. In the past month they have reported to the credit bureau I was $13 over my limit? Really? And also late back in 2015 & 2016? Is this a joke? Thank you USAA! And thank you for holding my payment for 7 days and making my payment late while I was on vacation!

I paid off a credit card 5 days ago. It is still not reflected in my available balance. This was done via the USAA app. They received the money 5 days ago and withdrew it from my bank account. Electronic transactions do not take 5 days. USAA is earning interest on payments made to them.