"Great Company, Great Card"
USAA Cash Rewards® World MasterCard® Review
Written by: not567card on 2011-05-13
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
not567card's review: 
Great low interest rates, superior service. I have had a USAA card for several years and they have provided outstanding fraud protection, fantastic interest rates, good rewards and great customer service. Everyone in the military who is eligible should get one. You do need to meet the eligibility requirements.
Great low interest rates, superior service. I have had a USAA card for several years and they have provided outstanding fraud protection, fantastic interest rates, good rewards and great customer service. Everyone in the military who is eligible should get one. You do need to meet the eligibility requirements.
4 Comments
Comment 1 by colonative
Re: Great Company, Great Card 
on 2011-05-14
I agree, USAA has a superior reputation for customer service. I really like the products that they offer as well as their interest rates and generous credit lines. Unfortunately, I am not eligible to join.
Would you mind providing some additional information regarding your account? Such as how long you have had the card, what your APR and credit lines are? Also, if you remember which bureau they pulled and the approximate score at that time. This information can help others who may be interested in applying.
on 2011-05-14 I agree, USAA has a superior reputation for customer service. I really like the products that they offer as well as their interest rates and generous credit lines. Unfortunately, I am not eligible to join.Would you mind providing some additional information regarding your account? Such as how long you have had the card, what your APR and credit lines are? Also, if you remember which bureau they pulled and the approximate score at that time. This information can help others who may be interested in applying.
Comment 2 by wanderer
Re: Great Company, Great Card on 2011-05-14
Glad you are with USAA Federal Savings Bank for Military related people member. They treat you right and have excellent products. I too am a customer of there's. Found them thanks to members of the FG site.
on 2011-05-14 Glad you are with USAA Federal Savings Bank for Military related people member. They treat you right and have excellent products. I too am a customer of there's. Found them thanks to members of the FG site.
Comment 3 by kdb030609
Re: Great Company, Great Card on 2011-05-14
Congratulations !!! USAA is a great bank to do business with they've got excellent customer service. To help other members on FG. Could you post your scores at the time of approval and CL & APR.
on 2011-05-14 Congratulations !!! USAA is a great bank to do business with they've got excellent customer service. To help other members on FG. Could you post your scores at the time of approval and CL & APR.
Comment 4 by pauly2221
Re: Great Company, Great Card on 2011-06-02
Congradulations on your new card. I am not try to down USAA to bad but I have never had luck with any banks. USAA denied me numerous times when I had a Credit score around 620 which I understand about 4 years ago. Now that I have a 730 they still deny me. Credit Unions are the best and always will be with there interest rates and credit lines. Example below.
Banks:
Chase 3K limit
Discover 1.5K limit
AMEX no preset
HSBC: $1,200 limit
And Now for the Credit union credit limits:
APG Credit Union: $10,300 limit
Navy Federal Credit Union: $15,000
Navy Federal Credit Union: $15,000 2nd One
Harco Credit Union: $12,000 limit
Keep in mind I applied for all these cards above within a 3 month span and with a fico range from 700-730.
I first applied for the bank ones and then when I got approved for the credit union ones 10x the limit of the bank I was surprised.
I have noticed that if you do not have a 780 or higher don't expect to get more then 10k with a bank but if you have a 680 or higher with a credit union expect to get a nice limit close to or over 10K.
Additional Information:
23 inquirys
1.7 years history
30 and 60 day lates 5+ years ago
Higher Interest Rate:
Chase: 22%
Discover 17.9%
AMEX no preset 2.99% after 30 days (charge Card)
HSBC: 19.9%
and Now for the Credit union credit limits
Lower Interest Rate: (Credit Unions)
APG Credit Union: 10.99%
Navy Federal Credit Union: 12.99%
Navy Federal Credit Union: 12.99% 0% for 12month
Har Co: 9.99 %
on 2011-06-02 Congradulations on your new card. I am not try to down USAA to bad but I have never had luck with any banks. USAA denied me numerous times when I had a Credit score around 620 which I understand about 4 years ago. Now that I have a 730 they still deny me. Credit Unions are the best and always will be with there interest rates and credit lines. Example below.Banks:
Chase 3K limit
Discover 1.5K limit
AMEX no preset
HSBC: $1,200 limit
And Now for the Credit union credit limits:
APG Credit Union: $10,300 limit
Navy Federal Credit Union: $15,000
Navy Federal Credit Union: $15,000 2nd One
Harco Credit Union: $12,000 limit
Keep in mind I applied for all these cards above within a 3 month span and with a fico range from 700-730.
I first applied for the bank ones and then when I got approved for the credit union ones 10x the limit of the bank I was surprised.
I have noticed that if you do not have a 780 or higher don't expect to get more then 10k with a bank but if you have a 680 or higher with a credit union expect to get a nice limit close to or over 10K.
Additional Information:
23 inquirys
1.7 years history
30 and 60 day lates 5+ years ago
Higher Interest Rate:
Chase: 22%
Discover 17.9%
AMEX no preset 2.99% after 30 days (charge Card)
HSBC: 19.9%
and Now for the Credit union credit limits
Lower Interest Rate: (Credit Unions)
APG Credit Union: 10.99%
Navy Federal Credit Union: 12.99%
Navy Federal Credit Union: 12.99% 0% for 12month
Har Co: 9.99 %
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Disclaimer: This content is not provided by USAA Savings Bank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by USAA Savings Bank. Review content is powered by Finance Globe.
Disclaimer: This content is not provided by USAA Savings Bank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by USAA Savings Bank. Review content is powered by Finance Globe.
