Reddit
reddit.com › r/usaa › usaa (secured credit card) anyone got one with a low credit score? (if so what was your credit score) need your input so i don’t waste time applying for the advantage rate credit card so i can get an secured one instead
r/USAA on Reddit: Usaa (secured credit card) Anyone got one with a low credit score? (If so what was your credit score) Need your input so I don’t waste time applying for the advantage rate credit card so I can get an secured one instead
May 14, 2024 -
So secured credit card is suppose to be for the ones with low credit scores and wanna bring it back up. What were your credit scores when you got approved for one? Mine is 561 currently
Would I be eligible for an advantage rate card or should I not waste my time and just apply for the secure credit card?
I haven’t seen any posts about this , and it would help everyone else
Top answer 1 of 5
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I got the secured credit card last year when my credit was 541 now i’m at 710! I would def use it. Make sure not to over utilize it.
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Go for the secured card if you want a more certain outcome. Keep it for at least a year, then upgrade accordingly if it accomplishes what you need it to.
WalletHub
wallethub.com › d › usaa-secured-credit-card-528c
USAA Secured American Express Card Reviews
USAA® Secured American Express® Card
Reviews, rates, fees, and customer service info for The USAA® Secured American Express® Card. Compare to other cards and apply online in seconds
USAA Secured Card Changes Coming Aug 1! - myFICO® Forums - 6769729
Finally! I've had a USAA Amex Secured card for over 8 years, increases to CLI or graduations have always been a polite "we don't offer that". Not that it will happen (thought I can't see why my profile wouldn't qualify me for it), but it's nice to see that there is a path to graduating out ... More on ficoforums.myfico.com
Secured USAA. AMEX vs Visa? - myFICO® Forums - 4471539
I see USAA offers two secured cards for rebuilding. I understand that Visa is accepted more places but I also understand AMEX tends to be a buisness I one day want to be doing buisness with at some point. Is this AMEX card going to establish any sort of customer relationship with AMEX or is ... More on ficoforums.myfico.com
USAA Amex secured credit card
Credit scores are calculated on a number of factors - including amount of credit available, number of accounts, age of accounts, payment history, number of credit applications AND percentage of credit used. So, card is new - so not a lot of payment history or usage on card. If you were to max out or nearly max out card limit, your score would drop as you’ve used a significant percentage of your available credit. So, be sure you pay monthly AND don’t over use the card. If you can keep your usage under 20% that would be good. If there’s a month you made a large purchase, then pay off / down card balance before end of period so reported balance is at 20% or lower (if you can). If you can’t, just know that will ding your score. As you get more cards, spread out your spend and limit amount of credit % spent or held as balance. More on reddit.com
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July 31, 2024Should I get my first credit card through USAA or another bank?
I like chase cards. You can start with one of the lower tier cards like Chase Freedom and later upgrade to one of the sapphire cards when you are better situated in life (higher income, better credit). That’s what I would do if I could go back. More on reddit.com
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October 28, 2024How do I increase my card limit on the USAA Secured Amex?
Secured cards will often use your initial deposit on the card as your limit and then automatically check your eligibility for a higher credit limit every six to eight months. If you have paid your balance on time and have kept your credit utilization under 30 percent for over six months, you can call USAA customer service and ask for a larger limit.
bankrate.com
bankrate.com › credit cards › reviews › usaa secured card american express card
USAA® Secured American Express® Card review | Bankrate
How does a secured card work?
Secured credit cards work the same as other credit cards, but they’re specifically designed for consumers with bad credit or no credit.
Because the consumer applying for the secured credit card does not have a positive credit history, a security deposit is required up front in order to qualify for the secured card.
The deposit is held either until sufficient positive history has been demonstrated and the card is upgraded to an unsecured credit card, or the card is closed.
upgradedpoints.com
upgradedpoints.com › home › credit cards
The 16 Best Secured Credit Cards For Those With Bad Credit [or ...
Can I get denied for a secured credit card?
It is possible to be denied for a secured credit card if you have had a recent bankruptcy, do not have income, or have other negative credit history that doesn’t meet a card issuer’s requirements.
If you’re denied for a secured credit card, you can try to apply for a different secured card that doesn’t run a credit check. These cards can cost a little more, but they will help you get started towards rebuilding your credit history.
You can also apply for a credit builder loan with a credit union.
upgradedpoints.com
upgradedpoints.com › home › credit cards
The 16 Best Secured Credit Cards For Those With Bad Credit [or ...
Credit Karma
creditkarma.com › credit cards › insights › usaa® rewards™ american express® card review: flexibility and bonus categories
USAA Rewards American Express Credit Card Review: Flexibility and Bonus Categories | Intuit Credit Karma
USAA® Rewards™ American Express® Card review: Flexibility and bonus categories
Interested in the USAA Rewards American Express Card? Read reviews and see cardholder data, including average credit limits and credit scores.
Upgraded Points
upgradedpoints.com › home › credit cards
The 16 Best Secured Credit Cards For Those With Bad Credit [or No Credit]
4 weeks ago - The information regarding the Green Dot Primor Visa® Classic Secured Card, Green Dot primor® Visa® Gold Secured Credit Card, Green Dot primor® Mastercard® Classic Secured Credit Card, Green Dot primor® Mastercard® Gold Secured Credit Card, First Progress Platinum Prestige Mastercard® Secured Credit Card, First Progress Platinum Select Mastercard® Secured Credit Card, Wells Fargo® Secured Business Card, USAA Secured Card Visa® Platinum, and USAA Secured Card American Express® was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
WalletHub
wallethub.com › d › usaa-secured-card-platinum-visa-2191c
USAA Secured Card® Platinum Visa® Review
USAA® Secured Visa Platinum® Card
Once added as an authorized user, the individual will receive their own credit card, sent to your mailing address, within a few weeks of being added to the account. The... ... There is not a minimum credit score to apply for the USAA Secured Visa or Secured American Express credit card. Reviews, rates, fees, and customer service info for The USAA® Secured Visa Platinum® Card. Compare to other cards and apply online in seconds
Bright
brightmoney.co › card › usaa-secured-american-express-r-credit-card
USAA Secured American Express® Credit Card| Bright Money
February 9, 2024 - In comparison to the Capital One ... no annual fee, but the USAA card has an edge by also waiving fees on cash advances, balance transfers, and foreign transactions....
American Express
americanexpress.com › en-us › account › login
Log In to My Account | American Express US
All users of our online services are subject to our Privacy Statement and agree to be bound by the Terms of Service. Please review · © 2026 American Express. All rights reserved
Credit Karma
creditkarma.com › credit cards › insights › usaa secured visa® platinum credit card
USAA Secured Visa Platinum Credit Card | Intuit Credit Karma
USAA Secured Visa® Platinum Credit Card
Interested in the USAA Secured Visa Platinum Credit Card? Read reviews and see cardholder data, including average credit limits and credit scores.
Bankrate
bankrate.com › credit cards › reviews › usaa secured card american express card
USAA® Secured American Express® Card review | Bankrate
April 11, 2025 - Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. A decent card for eligible military personnel and family members, but it falls short where other secured cards shine.
Credit Karma
creditkarma.com › credit cards › insights › usaa secured american express® credit card
USAA Secured American Express Credit Card | Intuit Credit Karma
USAA Secured American Express® Credit Card
Interested in the USAA Secured American Express Credit Card? Read reviews and see cardholder data, including average credit limits and credit scores.
myFICO
ficoforums.myfico.com › t5 › Credit-Cards › USAA-Secured-Card-Changes-Coming-Aug-1 › td-p › 6769729
USAA Secured Card Changes Coming Aug 1! - myFICO® Forums - 6769729
January 19, 2025 - Finally! I've had a USAA Amex Secured card for over 8 years, increases to CLI or graduations have always been a polite "we don't offer that". Not that it will happen (thought I can't see why my profile wouldn't qualify me for it), but it's nice to see that there is a path to graduating out of the Se...
WalletHub
wallethub.com › popular credit card questions
What Are the USAA Secured Credit Cards Approval Requirements?
January 8, 2024 - The USAA secured credit card approval requirements include a Social Security number, a physical U.S. mailing address, and enough income for monthly bill payments. Both the USAA® Secured American Express® Card and the USAA® Secured Visa Platinum® Card are meant for those looking to build ...
myFICO
ficoforums.myfico.com › t5 › Credit-Cards › Secured-USAA-AMEX-vs-Visa › td-p › 4471539
Secured USAA. AMEX vs Visa? - myFICO® Forums - 4471539
February 27, 2016 - I see USAA offers two secured cards for rebuilding. I understand that Visa is accepted more places but I also understand AMEX tends to be a - 4471539
MaxRewards
maxrewards.com › credit-cards › usaa-secured-american-express
USAA Secured American Express® Credit Card
View detailed rewards, benefits, and fees for this credit card. Compare it to others and maximize your points, cash back, and perks.
American Express
americanexpress.com › credit intel › credit score
How to Build Your Credit from Scratch - Credit Cards Can Help
June 16, 2025 - You may qualify for a card with a low credit limit if you’re a student, a credit union member, or have an established banking history, such as a checking account that you’ve had for many years and haven’t overdrawn.1 Choose a credit card that can reward you for your spending habits, whether that’s a card that offers travel rewards or cash back. Get a Secured Credit Card Secured credit cards may be easier to qualify for if you’re still building your credit.
SuperMoney
supermoney.com › home › credit card › credit cards › usaa secured american express® credit card
USAA Secured American Express® Credit Card Reviews: Is It Any Good? (2025) - SuperMoney
USAA Secured American Express® Credit Card is no longer available to new customers on SuperMoney.
Reddit
reddit.com › r/usaa › usaa amex secured credit card
r/USAA on Reddit: USAA Amex secured credit card
July 31, 2024 -
I have a secured credit card with Amex through USAA. I previously had no credit history to speak of. Now a month in, it seems on my profile that I have an Advantagescore of 685. Is this normal or wrong? Is it reliable? I would love any ideas or opinions. Thanks
Top answer 1 of 2
4
Credit scores are calculated on a number of factors - including amount of credit available, number of accounts, age of accounts, payment history, number of credit applications AND percentage of credit used. So, card is new - so not a lot of payment history or usage on card. If you were to max out or nearly max out card limit, your score would drop as you’ve used a significant percentage of your available credit. So, be sure you pay monthly AND don’t over use the card. If you can keep your usage under 20% that would be good. If there’s a month you made a large purchase, then pay off / down card balance before end of period so reported balance is at 20% or lower (if you can). If you can’t, just know that will ding your score. As you get more cards, spread out your spend and limit amount of credit % spent or held as balance.
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I used my USAA Amex to build my credit back up. Started with a 5k limit would use it to pay everywhere I could and pay it within the week on USAA app. Within a yr my limit went to 16k and my score went up. I have made some big purchases that I paid off within a month otherwise I keep it paid off. Now I pay everything with cards and then pay off so I don’t risk my debit card getting compromised.