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USAA offers a line of credit cards designed specifically for members of the military, other servicemembers, and their families. As such, they have special terms and benefits favorable to servicemembers.
This could make them better picks if you won’t be going on active duty, depending on why you want a credit card. SCRA benefits will apply to them as well.
USAA membership is free, but only certain people are eligible to join. If you or a member of your immediate family has been a USAA member or in a branch of the military, there’s a good chance you’ll be eligible.
Once you’re a USAA member, you’ll be able to apply for any of its credit cards. You’ll also enjoy access to its other financial services, like banking and insurance.
USAA Membership Eligibility
USAA membership is open to:
- Active Military: Individuals who are currently serving in the U.S. Air Force, Army, Coast Guard, Marines, or Navy.
- Former Military: Those who have retired or separated from the U.S. military with a discharge type of Honorable.
- Family: Widows, widowers, un-remarried former spouses of USAA members who joined USAA prior to or during the marriage, and individuals whose parents joined USAA.
- Cadets and Midshipmen: Cadets and midshipmen at U.S. service academies, in advanced ROTC or on ROTC scholarship, and officer candidates within 24 months of commissioning.