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Visa® Platinum

Excellent Credit Required - Applicants that do not have excellent credit will not be approved.
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USAA Federal Savings Bank

Cashback Rewards Plus American Express® Card

USAA Bank products are only available to military members, veterans who have honorably served, and their eligible family members.
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USAA Military Affiliate Cards

USAA Bank products are only available to military members, veterans who have honorably served, and their eligible family members.
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USAA Rate Advantage Platinum Visa®

USAA Bank products are only available to military members, veterans who have honorably served, and their eligible family members.
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USAA Bank products are only available to military members, veterans who have honorably served, and their eligible family members.
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Cash Rewards® Visa Signature® Card

USAA Bank products are only available to military members, veterans who have honorably served, and their eligible family members.
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Simmons Bank

Visa® Platinum Rewards

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USAA Rewards™ American Express® Card

USAA Bank products are only available to military members, veterans who have honorably served, and their eligible family members.
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USAA Rewards™ Visa Signature®

USAA Bank products are only available to military members, veterans who have honorably served, and their eligible family members.
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Horizon Card Services

Horizon Gold Credit Card

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WebBank

Fingerhut Credit Account

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USAA Federal Savings Bank

USAA Secured Cards® American Express® Card

USAA Bank products are only available to military members, veterans who have honorably served, and their eligible family members.
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American Express U.K.

The Platinum Cashback Credit Card

Earn 5% cashback up to £125 in your first three months (on the first £2,500 of purchases).21
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American Express U.K.

British Airways American Express® Credit Card

9,000 bonus Avios when you spend £1,000 in your first three months of Cardmembership.21
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USAA Secured Card® Platinum Visa®

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British Airways American Express® Premium Plus Card

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Site FAQ
Frequently Asked Questions
When should credit card payments be credited?
A card issuer must credit your account on the day the issuer receives your payment, unless the payment is not made according to the creditors requirements or the delay in crediting to your account does not result in a charge. To avoid delays that could result in finance charges, follow the card issuers instructions about where to send payments. Payments sent to other locations could delay getting credit for your payment for up to five days. If you lose your payment envelope, look on the billing statement for the address for payments or call the card issuer.

What can you afford using your credit card
However, there are times when it might be wiser to use a credit card. For example, any time you make a purchase online, you should try to use a credit card. Why? If there ever is a case of someone stealing your credit card number and charging on it, you will usually only have to pay up to $50 of the stolen amount. If someone steals your debit card number and uses it, you will rarely get any of that money back. Some banks do offer theft protection on debit cards as a courtesy, but they are not legally obligated to refund the money stolen. It is up to the customer to close their account in order to stop withdrawals. Check with your bank to find out what their liability policy is on debit card theft. If you do use a credit card, you can always pay off your balance immediately and avoid ever paying any interest.

May I obtain a U.S. issued credit card if I have an excellent credit history in another country?
Yes, you might be able to use your past excellent credit history to obtain a U.S. issued credit card. However, it will take some time and effort on your part. Many people come to the U.S. with a positive credit history. Normally, this credit history is not transferred to the U.S. As a result, when you apply for a credit card the creditor will not see your excellent credit history. They will then deny you credit based on the fact you supposedly have no credit history established. Getting a social security number is the first step you should take. You must have a social security number to get a U.S. issued credit card. Next, contact Experian, Equifax and TransUnion (the three major credit reporting bureaus) to see if they will transfer your excellent credit history from your home country. This usually does not happen, but in some cases it can. For example, TransUnion does transfer Canadian credit histories to the U.S. If you can get your credit history transferred, this will make it much easier for you to get a U.S. issued card. If you find that you cannot get your credit history transferred, you will have to start from scratch and build a new credit history in the U.S. You can look into applying for secured credit cards, bank-issued credit cards and other credit cards that can get you started. These cards may charge fees or high-interest rates, so be sure you understand all the terms before applying. Whenever possible, try to apply by phone. This way you can explain your situation in person and possibly get approved or denied on the phone. If denied, you can apply in writing and state in your letter application that you have an excellent credit history in another country. If possible, include a copy of your credit report with the application. The creditor may then be able to approve you after some investigation. If there has been no response in 30 days, contact the creditor to check on your application.

Move the Due Date
Ever been short on cash right when your credit card bill is due? Still waiting for your payroll check? No problem. Call you credit card issuer and negotiate a new due date. Most likely, your request will be honored. A new due date will allow you to better manage your cash flows, so that you have enough cash (in bank, or on hand) to pay your bills.

Previous Balance
Previous Balance. As the name suggests, this balance is simply the amount that you owed at the end of the previous billing period. Payments, credits, or new purchases made during the current billing period are not taken into account. Some creditors also exclude unpaid finance charges in computing this balance. If you do not understand how the balance on your account is computed, ask the card issuer. (An explanation of how the balance was determined must appear on the billing statements the card issuer provides you and on applications and pre-approved solicitations the card issuer may send you.)

Annual Fee
some credit cards also have annual fees, which can run as high as $75-$100. Fortunately, the majority of credit card offers for students have an annual fee of $0. Think of it as membership fee, which is tacked onto your balance once a year just for having the credit card. You are expected to pay this fee, and it will collect interest as part of your balance owed. However, if you pay your balance owed by the due date, you will not have to pay any interest

Don?t be Late, Pay the Minimum
Late fees, these days, may take a toll on your financial health. It would be especially unfortunate to pay a late fee if your total credit card bill is less than the amount of late fee. To avoid this situation, consider paying a minimum due on your bill if you do not have enough cash on hand to pay off the whole bill on time.

What is the difference between an additional card and co-signer card?
An additional card is a card you get on your personal credit account with another person?s name on it. This means that the person now has access to your credit account as if it is their own account and can charge as much as they want without your permission beforehand. In addition, this person is not held accountable by your creditor for making any payment on the account. This responsibility falls on you, the account holder. As a result, no matter how much this person charges on your card, you have to pay for it?even if the person promises to pay you back and doesn?t. A cosigner card is a credit card someone applies for and gets a cosigner to sign on. Essentially, it is the applicant?s credit account, but if they stop making payments, the cosigner is then responsible for the account. The history of the account goes on both person?s credit reports. The cosigner will have to make special arrangements with the creditor before cosigning to get monthly statements on the account or reports of late payments. Otherwise, the cosigner will not have access to the account information. If you do cosign on an account, remember that you assume equal liability.

What is Consumers Liability for Unauthorized charges?
"If you have a problem with merchandise or services that you charged to a credit card, and you have made a good faith effort to work out the problem with the seller, you have the right to withhold from the card issuer payment for the merchandise or services. You can withhold payment up to the amount of credit outstanding for the purchase, plus any finance or related charges. If the card you used is a bank card, a travel and entertainment card, or another card not issued by the seller of the defective merchandise, you can withhold payment only if the purchase exceeded $50 and occurred in your home state or within 100 miles of your billing address. If these conditions do not apply to you, you may want to consider filing an action in small claims court -- an informal legal proceeding that can be used to settle disputes. While the maximum amounts that can be claimed or awarded differ from state to state, most small claims courts hear cases involving amounts ranging from $25 to $2,000. Some states have recently raised their limits to $5,000. Check Check your local telephone book under your municipal, county, or state government headings for small claims court listings. " * Shop around for credit card terms that are best for you. * Make sure you understand the terms of a credit card plan before you accept the card. Review the disclosures of terms and fees that must appear on credit-card offers you receive in the mail. * Pay bills promptly to keep finance charges as low as possible. * Keep copies of sales slips and promptly compare charges when your bills arrive. * Protect your credit cards and account numbers to prevent unauthorized use. Draw a line through blank spaces above the total when you sign receipts. Rip up or retain carbons. * Keep a list of your credit card numbers and the telephone numbers of each card issuer in a safe place in case your cards are lost or stolen.

Automatic Online, On-time Payments
In the era of everything e-commerce, online banking is not trailing behind. Besides checking your account balance, you can now set up automatic payments to be made from your checking account. As far as the amount is concerned, you may elect to have a ?minimum due? or full payment withdrawn. This is an especially great feature for all of us who pay credit card bills late, and get slapped with a $29-$35 late fees. Call your bank today and ask whether it offers automatic payment service.

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