USAA Secured Card® American Express®


For People with
Bad Credit

The USAA Secured Card® American Express® offers people with poor credit the chance to rebuild their credit. Like all secured cards, a deposit is required to establish the credit limit. For this card, the deposit can be from $250 to $5,000.

If you’re looking for similar cards, there is also a Visa version of the card that’s very similar called the USAA Secured Card® Platinum Visa®. Other than being on different card networks, the cards only have a few differences in benefits, which you can read about in our review of both cards.

Card Quick Facts

Card Quick Facts

  • Best for members rebuilding or establishing credit.
  • Determine your own credit limit ($250 to $5,000) with an interest-earning CD.
  • No foreign transaction fees when you travel outside the United States.
  • It’s not a debit or prepaid card.

For People with
Bad Credit

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

None

How to Redeem

Introductory Bonus

  • None
Card Stats

Card Stats

Annual Fee $35
Additional Cards Annual Fee -
Regular Purchase APR 11.65–21.65% Variable
Intro Purchase APR N/A for N/A
Foreign Transaction Fee See Terms
Chip Technology Chip-and-Signature & Chip-and-PIN
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR See Terms
Late Fee See Terms
Returned Payment Fee See Terms
Balance Transfers

Balance Transfers

Intro Balance Transfer APR N/A for N/A
Regular Balance Transfer APR 11.65–21.65% Variable
Balance Transfer Fee 3%, $200 maximum
Cash Advances

Cash Advances

Cash Advance APR 11.65–21.65% Variable
Cash Advance Fee 3%, $200 maximum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

Submit your review
1
2
3
4
5
Submit
     
Cancel

Create your own review

Average rating:  
 0 reviews

The Insider

Kat Tretina
Review of the American Express® Gold Card
Kat Tretina | Oct 19, 2018

With a $250 annual fee, some people might avoid the American Express Gold Card. But reconsider: it delivers exceptional value for travelers and foodies.

Read More
Susan Shain
What Are the World’s Most Exclusive Luxury Credit Cards? Here Are 8
Susan Shain | Oct 15, 2018

Want to see how the other half lives? Here are the world's most exclusive credit cards — one even has diamonds on it! We also share 3 you can apply for.

Read More
Kat Tretina
Review of the Citi ThankYou® Preferred Card for College Students
Kat Tretina | Oct 11, 2018

The Citi ThankYou Preferred Card for College Students is made for limited credit and offers 2X points on dining and entertainment, plus other benefits.

Read More