USAA Secured American Express® Card

AMEX exclusive benefits, low APRs and no foreign transaction fee

Updated: Sep 17, 2021

Advertiser Disclosure

The USAA Secured Platinum American Express Card is designed to give cardholders the flexibility that they want in a credit card. From savings opportunities and having control over the credit limit to being afforded cardholder benefits similar to a secured card, there are many aspects for cardholders to take advantage of.

ANNUAL FEE

See Terms

ONGOING APR

See Terms Variable

INTRO APR

N/A

140 User Ratings

USAA Secured American Express® Card

This card is not available right now.

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Introductory APR

N/A

Intro APR Period

N/A

Minimum Credit Score

Bad Credit OK

Key Features

  • American Express concierge service and other exclusive AMEX card benefits
  • Low APR on purchases, balance transfers, and cash advances
  • No application fee
  • When you apply - you'll also be opening a USAA 2-year Certificate of Deposit, an interest-earning deposit account that has a two-year term and a $250-minimum initial deposit
  • CD lets you get a credit card even if you don't have a credit history or have bad credit
  • Enjoy no foreign transaction fees when you travel outside of the United States.

Our Take

The USAA Secured Platinum American Express Card is a secured credit card that gives individuals control over their credit account. First, there is a Certificate of Deposit (CD) that the card’s security deposit goes into. This is an interest-bearing account, so you are able to save money. The amount you deposit also establishes the credit limit. Whenever you want a credit line increase, you can request one and deposit more money into the CD in order to establish that increase.

There is also a small annual fee in order to maintain the card. This fee is in addition to the low APR and the transaction fees. The transaction fees include the balance transfer fee, cash advance fee, and foreign transaction fee. Each one of these fees is charged as a small percentage of the transaction amount and the fee is charged per transaction. Balance transfers and cash advances also have their own APRs. Every APR on the card varies with the market, which is based on the Prime Rate, so it will fluctuate over time.

Lastly, there are a number of cardholder benefits that include collision damage waiver coverage on rental cars that pay for physical damage and theft, travel accident insurance, roadside assistance, and concierge service. There are a number of services that are afforded to cardholders. The list is always subject to change, so it is ideal to use online account management to stay on top of policies and to keep track of the specifics of the account.

Alternatives: USAA Secured Platinum Visa Card, USAA Secured Platinum Mastercard.

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Basic Information
Issuer: USAA Bank
Network: American Express®
Category: Consumer (Secured)
Best Used For:
  • Cards for Bad Credit
  • Low Interest Rate
  • Guaranteed Approval
  • Military
Rewards: No
Rates & Fees
Regular APR: See Terms
Regular APR Type: Variable
Annual Fee: See Terms
Balance Transfer: See Terms
Grace Period: 25 days
Late Payment Fee: Up to $35

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Additional Information & Comments

* - Credit Needed: No Score, Poor - below 660 & Fair 660-699 (Check Your Credit Score)

Non-Affiliate Offer Disclosure
*The information provided for USAA Secured American Express® Card is believed to be accurate at the time of evaluation and has been collected independently by MarketProSecure®. The card issuer did not provide the details, nor it is responsible for their accuracy.

USAA Secured American Express® Card

Reviews - (2 User Reviews)
Share your experience and rate the USAA Secured American Express® Card
(Excellent)
October 26, 2020
R.C. (46-55) - Wants to have it
Income on Application
$82000
Credit Score
Needs Work (300-579)
Credit Limit
$200
Filed for Bankruptcy
No

need it to build credit

I want this card to build my credit.
Fees & Charges:
4/5
Features & Benefits:
5/5
Customer Support:
4/5
Application Process:
4/5
Comment (0)

(Good)
July 15, 2020
M. Goldstein (56-65) - Cardholder
Income on Application
$50000
Credit Score
Fair (580-669)
Credit Limit
$250
Filed for Bankruptcy
No

I Like it

Like the AMEX branding
Fees & Charges:
4/5
Features & Benefits:
4/5
Customer Support:
5/5
Application Process:
4/5
Comment (0)

USAA Secured American Express® Card

USAA Secured American Express® Card

Min. Credit Required: Bad Credit OK

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