A low-rate card for USAA members: regular APR from about 10%, plus a long 0% offer on balance transfers.
Rates, fees and offers
- Regular APR
- 10.4%–24.4% variable
- Annual fee
- $0
- Promo offers
- 0% intro APR on balance transfers and convenience checks posted by Nov. 30, 2026, through the March 2028 billing cycle.
- Balance transfer fee
- See USAA's terms
- Rewards
- No rewards: built for a low ongoing rate.
Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗
Notes
USAA membership is required. One of the lowest regular APRs available. A strong pick for anyone eligible who expects to carry a balance for a while.
Paying and contacting USAA
- Pay by mail
-
The issuer doesn’t publish one address for everyone. Use the payment address printed on your statement.
See all USAA cards → · Search all cards
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