USAA Secured Visa Platinum
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.
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.
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.
Earning Rates
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)ShowHide
- 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)
How we verified this card (4 sources)ShowHide
Spotted something off? Report an issue. Read our verification methodology.
See the Current Offer
Earn None
View OfferAffiliate 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.
