USAA Credit Cards - Which is Best for You?

Please Like, Comment, and Share my videos!

👇 👇 Watch My Other Videos Here 👇 👇
★ The Best Credit Card Strategy (No Annual Fees)
★ Navy Federal Credit Cards - Which is Best for You?
★ PenFed Credit Cards - Which is Best for You?

📷 📷 YouTube Equipment I Use 📷 📷

================

📚 📚 Books That Changed My Life 📚 📚

================

USAA is a specialty bank that exclusively does business with active duty, guard, and reserve military members, veterans, and their family members. I have been using their services for three years and am satisfied with my banking experience. I have a checking account, a ROTH IRA, car insurance, and renters insurance with them.

However, I only recently learned the differences between their credit card offers, and I realized I was not using the best credit card for me.

USAA's website:

Helpful website with USAA's information:

All cards have no annual fee, no penalty APR, and no foreign transaction fee.

Breakdown of Cards:

1) Preferred Cash Rewards Visa Signature (Cash Back)
- Earn 1.5% cash back on everything with no limits
- APR ranges from 14.15% to 28.15%

2) Rate Advantage Visa Platinum (Low APR)
- No cash back or points on anything
- APR ranges from 9.15% to 26.15%

3) Cash Back Rewards Plus American Express (Everyday Spending)
- Earn 5% cash back on your first $3000 in gas (anywhere) and military base purchases (commissary, base exchange, food court)
- Earn 2% on your first $3000 on supermarket purchases per year
- Earn 1% cash back on all other purchases
- APR ranges from 14.15% to 28.15%

4) Rewards Visa Signature (Signup Bonus)
- Earn 2x points per dollar spent on gas and dining with no cap
- Earn 1x points for every dollar spent on all other purchases
- Get 2,500 bonus points with your first purchase (value of $25)
- APR ranges from 12.15% to 28.15%

5) Rewards American Express (Signup Bonus)
- Earn 3x points per dollar spent on dining
- Earn 2x points per dollar spent on gas and groceries
- Earn 1x points on every dollar spent on all other purchases
- Get 2,500 bonus points with your first purchase (value of $25)
- APR ranges from 12.15% to 28.15%

If you pay off your balance every month, then go with the Cash Back Rewards American Express. If you know you will be carrying over a balance month to month, then go with the Rate Advantage Visa Platinum.

================

💯 LET’S CONNECT 💯
👥 Facebook @ [coming soon] 👉 [coming soon]
📧 E-mail me at: [coming soon]

================
#USAA #CreditCards #MilitaryMoney
================

DISCLAIMER:
This video is for entertainment purposes only. I am not in any way acting as an agent or representative of the Department of Defense or United States Federal Government when presenting this information. I am not a legal or financial expert or have any authority to give legal or financial advice. While all the information in this video is believed to be accurate at the time of its recording, realize this channel and its author makes no express warranty as to the completeness or accuracy, nor can it accept responsibility for errors appearing in this video.

ADVERTISER DISCLOSURE:

[darkenedlight]

The angle at the beginning of this video is like I'm your coworker walking around and I come to bother you at your desk. lol

[TheCookieFranco]

Somewhere, Dave Ramsey is ranting right now.

[joemilleriv]

Sup man. I've been active duty air force for about a year now, building my credit and doing financial research along the way. I just reached my credit limit increase benchmark on my discover it secured card so I'm now ready for my first real credit card and this video helped a lot. Thank you!

[arcanoflowz]

Really wish I would have discovered this channel back when I was enlisted! Good info, thank you sir

[BestCBDCenter]

I just got approved for USAA Amex with 25K limit Cash Back Rewards Plus with 0% and balance transfer for 15 months. Thanks for the video 😉

[JayStunna]

thank you. I have the PCR card and I have been having this card for over 3 years. Need to upgrade

[jganzhorn]

This was very informative! As non-drivers who pay off the balance each month, my fiancé and I will stick with our Preferred Cash Rewards cards. Cheers!

[freeballer]

I want to say that the Cashback Plus Amex is relatively new..having launched in late 2016 early 2017. It replaced a similar but less rewarding version. I was lucky enough to snag the Limitless Cash Rewards Visa card with 2.5% cash back. I love that card! Hopefully you are also a member of Navy Federal. Their Platinum card has an APR as low as 8.24% easily beating the USAA Rate Advantage.

[Emilio_Mason]

Thank God we have amazing people like you my Brudda, very informative and helpful 🙏🏾

[ParkerBudgets]

Do you think you could do a comparison between Navy Federal and USAA? Which bank do you think is better? As far as a checking account is concerned for someone lacking in the financial know how. I've banked with Wells Fargo since 2014 and considering switching is a little overwhelming to be honest lol. I greatly enjoy and appreciate the simple breakdown of your knowledge on otherwise very complicated subjects.

[joemilleriv]

2 Questions:
1) What happens if I get out with these cards? Should I cancel them or will I just be stuck with the annual fees?
2) What's a good way for a young (frugal) service member to meet those minimum spend requirements, with our expenses being so low?

[marcuszarafonetis]

Visa signature is very good but the best multiplier is the amex cashback card

[joelmarcott]

I think USAA needs a more generous AMEX Travel/Rewards Card. Maybe even an airline co-brand. They also need to try to go to Metal cards. My Debit has had card cracks. I have had to replace my Debit several times. Plus, peeling labels, separating at the edge on my Limitless Cashback Rewards Visa.

[derek]

Snagged the USAA "Limitless Cashback Rewards" card a few years back that is unlimited 2.5% cash back with a $1k direct deposit. Didn't realize how great that was when I initially got it. Seems like they no longer offer it since it's not on their website.

[mtrenka]

Over the past 5 years I continue to move away from USAA products. Their savings account rates are a joke. They offer no HELOCs or PLOCs. 1.5% cash back cards are hardly competitive. They sold all there investments to Schwab (an ok move but vangard and fidelity are better). I wrote to them begging them to update. They have yet to do so and now it is time to move on.

[ChillonNik]

Which card would you recommend for a “beginner “ to use as a gas card?

[gsotoaz]

why would you carry a balance month to month???

[michaelargenta]

They forgot to mention the credit card hack breach they had last yr. and left me and alot of people stranded with out any warning !!!

[sarahwilson]

I still think AMEX Everyday cash is the best. Low APR and cash back. I would like to see a card on flexible spending options.

[oarias]

🙇‍♂️😭🤦‍♂️ the card I just got was the one he talked about 10 seconds of. Fml Does anyone know if we can upgrade a card after X amount of time?