Credit Score: 697 Credit Limit: 5000 Age: 45-54

Posted 08/17 2016

The change from Mastercard to Visa was a real pain. You have to make sure you call every one on your auto pay list. I had a couple of payment issues with 2 of them which were (thankfully) resolved.

 

Credit Score: 746 Credit Limit: 15000 Age: 35-44

Posted 05/23 2016

Have been a USAA member for quite a while and have their checking account. I decided to give their credit cards a shot and ended up with this one.

Their payment and communications methods could be improved a lot. Firstly, their statements and website do not really make it clear which is your present statement and which is in your most transactions. They kind of lump it together.

Secondly, they do not send emails alerting you as to whether you have scheduled an online payment or auto payment. I sent a payment twice because I was not sure and USAA said they could only apply it as a credit to my next payment. This really messed up my budgeting.

They really have a lot of work to do on their computer system, website and email communications.

 

Credit Score: 753 Credit Limit: 15000 Age: 35-44

Posted 01/06 2016

I have a USAA checking account. And I decided to get one of their rewards card because their customer service has been excellent. I applied over the phone and got approved. But after a few months, I was researching other cards and realized that in terms of rewards, this card falls short compared to others (even ones I had). Many issuers give 2%, 3% or 4% on gas, travel or some other type of spending.

USAA should look at their rewards features and up their game.

 

Credit Score: 810 Credit Limit: 20000 Age: 45-54

Posted 02/18 2015

usaa needs to seriously work on their credit card website. They need a different column as to which items have been paid off and which has not been. I also have not been able to categorize my expenses. Each time I try to do it, it takes me back to the beginning home page (like it is in a closed loop). I have a couple of other cards from other issuers and all have much better websites.

 

Credit Score: 736 Credit Limit: 15000 Age: 45-54

Posted 05/17 2014

Been with USAA for the longest time. Everything about them is great except for their credit card website. They need to show a running balance. Otherwise, we simply have to trust them as to what the current balance is. Please sorting out your website.

 

Credit Score: 642 Credit Limit: 4000 Age: 35-44

Posted 04/23 2014

Score was 640 area and I was in the process of rebuilding. I had been rejected by a couple of mainstream banks before and decided to give it USAA a shot. I applied and got approved with a $4000 limit.

After a couple of months, I noticed I was getting frequent calls about fraudulent transactions. They were all false because I was shopping at my grocery store and occasionally sears and walmart. There have been a couple of times where my card was rejected at the checkout line and I had to use my other cards before I could call usaa.

The fraud detection alert appears to be overzealous to me.

 

Credit Score: 741 Credit Limit: 10000 Age: 18-24

Posted 02/26 2014

Like some mention here, the billing statement and online website could be improved. Here is one suggestion, show the closing date for the statement.

 

Credit Score: 764 Credit Limit: 8000 Age: 45-54

Posted 01/27 2013

There are plenty of good things to say about this card. I like the fraud alert and the rewards.

The one thing that could be greatly improved upon is the online user interface. When I look at my bill, the items under the previous cycle (which have already been paid) still shows up and to me, that is a little confusing. Wish they could take care of this.

 

Credit Score: 628 Credit Limit: 2500 Age: 25-34

Posted 12/11 2012

Overall, there is a lot to like about this card. Customer service is great. Rewards are good.

But there is one thing that USAA should consider and that is to remove the foreign transaction fee totally. When I am on duty abroad, I get charged foreign transaction fees. Sometimes, I have to pay medical bills with the card and I can never get reimbursed for that.

 

Credit Score: 736 Credit Limit: 7000 Age: 45-54

Posted 12/04 2012

The rewards are great and so is the customer service.

But I have to give this card a 3 star because I find finding the statements online difficult. I have other cards and when you log into your account, there is always a link to your statement on the home page. And like others have mentioned here, there is no separation of items that have been paid in the previous cycle and those that will be in the present cycle. I expect a big institution like USAA to be able to have a more user friendly billing statement and website.

 

Credit Score: 711 Credit Limit: 8000 Age: 35-44

Posted 10/28 2012

I have this card. I'm a USAA member and appreciate most of their products but I don't like that you only earn one point. At least you can redeem anytime though.