Beta

Every feature is free during beta. No credit card, no catch.

Skip to content
RewardZ Travel
All Cards
Verified May 2026

USAA Secured Visa Platinum

USAA|Personal
/5
Annual Fee
$0
Sign-Up Bonus
None
Bonus Value
$0

Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.

View Offer
Is this card worth it?
Annual fee
$0
Welcome offer
None
Est. value
$0
Best for
Rewards

Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.

View Offer

No welcome offer. The USAA Secured Visa Platinum is a credit-building product; your security deposit ($250-$5,000) funds the card's credit limit and sits in a USAA two-year Certificate of Deposit that actually earns interest, which is unusual in the secured-card market.

Benefits and fees last verified May 2026against the issuer's published terms.

Earning Rates

0x
all purchases

USAA Secured Visa Platinum

USAA

Not enough context

Not enough context to say

Nothing we know about this card and about you decides it either way. The unknowns below are the reason, and each one names what would settle it.

What we still do not know (3)

  • spend-categories
    Which categories get the most spend each month, for example dining, groceries, travel or gas? We hold no category spending data at all, so we will not guess one.
  • held-cards
    Which cards are currently carried? Without that list we cannot say whether this one duplicates a card already held.
  • tracked-objectives
    Which trip is being saved toward? A tracked trip is what turns this card's currency into a concrete gap it could close.

Ecosystem fit

NO_TRANSFER_ECOSYSTEM

This card's rewards do not transfer to any airline or hotel program in our graph.

Portfolio overlap

HOLDINGS_UNKNOWN

We do not know which cards you hold, so we cannot say whether this one duplicates anything.

Saved-trip relevance

NO_TRACKED_OBJECTIVES

You track no saved trip, so there is no goal for this card to move toward.

Earn fit

ASK_SPEND_CATEGORIES

We need to ask before we can answer this

Which categories get the most spend each month, for example dining, groceries, travel or gas? We hold no category spending data at all, so we will not guess one.

We hold no category spending data for you, and we will not estimate one. Until this is answered, this card's earn rates are facts about the card, not a fit for you.

Verified economics

VERIFIED
$0 annual feeIssuer check 2026-05-24

No publishable welcome offer (no-current-offer).

Computed 2026-08-25T22:26:48.329Z from the facts above. This is a request-time answer, not something we monitor for you.

Perks & memberships

1
  • No foreign feesNo foreign transaction fees, useful for deployed servicemembers spending overseas

Travel & purchase protections

1
  • Visa Platinum benefits: auto rental CDW (secondary U.S.), travel and emergency assistance services, roadside dispatch, zero-liability fraud protection
More benefits & fine print (7)Show
  • Issued on the Visa Platinum network
  • Secured credit card: requires a refundable security deposit of $250 to $5,000, which becomes your credit line. The deposit is held in a USAA two-year Certificate of Deposit that earns interest while you build credit; most secured cards lock the deposit in a non-interest-bearing account, so this is a real differentiator
  • Membership-gated: must be a USAA member to apply, and you must have a USAA Federal Savings Bank checking or savings account in good standing. USAA membership is restricted to current and former U.S. military servicemembers, their spouses, and their dependents
  • Reports to all three major credit bureaus (Experian, Equifax, TransUnion) monthly, the credit-building mechanism
  • Periodic account reviews for graduation to an unsecured USAA card (USAA reviews credit history, payment behavior, and overall financial profile; there is no fixed graduation timeline)
  • 5% cash advance and convenience check fees; late payment and returned-payment fees capped at $35
  • Earns no rewards on purchases (none of USAA's secured products earn points or cash back)

Before you decide, weigh alternatives

This is already one of the lower-fee cards in its category. Compare it side by side to confirm it is the right fit for how you spend.

Compare cards side by sideBrowse all cards
How we verified this card (4 sources)Show

Spotted something off? Report an issue. Read our verification methodology.

See the Current Offer

Earn None

View Offer

Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.

Use this for a trip

Have a trip in mind?

Start a trip search to see how many points a specific award costs and how this card's welcome bonus and transfer partners help close the gap. Nothing is booked and no availability is checked.

Start a trip search
Affiliate disclosure: Some links on this page are affiliate links. We earn a commission if you click and complete a qualifying action (sign up, book, buy points), at no extra cost to you. We only feature offers we'd use ourselves. Full disclosure.