How to activate the USAA card

One of the advantages of the modern world is being able to pay anything in seconds. Instead of writing bank checks or carrying loads of cash, now you can pay your bills, purchases and even orders online using your debit or credit card.

For it, the card you have must be valid (pay attention to the expiration date) and be activated. If your credit and/or debit card is from USAA, congratulations! Its activation process is very simple and, once you finish, you can pay anywhere that accepts Visa or American Express as a means of payment.

Don’t know how to activate the USAA card? Do not worry! We will leave you step by step to activate the card online or by phone.

How to activate the USAA card

How to activate the USAA card (online and by phone)

The first thing you should know about the activation process is that the modality will depend on the type of card you have. USAA credit card users have two activation methods (online and by phone), while those with a debit card will have to settle for online activation.

How to activate USAA credit card online

To activate the USAA card online, you must follow a few simple steps. Remember to have your User ID and password at hand to be able to log in to the platform:

  1. Visit the USAA user platform and log in. You can enter from the browser of your computer, laptop, tablet or smartphone.
  2. If you do not have a USAA online account, please register by clicking this link. Follow the system prompts, which are fairly easy to follow, and enter your USAA member number.
  3. Once you sign in, open the menu and click on “Activate card”.
  4. When you have selected the option to activate card, the system will open a pop-up window with a short form. Enter the most important data of your card, such as: your number, the expiration date (MM/YY), your date of birth, your Social Security number, and the CVV security code.
  5. After completing the form, click “Activate” and voila! Your USAA card will be ready to make payments.

How to Activate USAA Debit Card (Prepaid) Online

Activating your USAA debit card online can be completed in three steps. To start, it is important that you know that you must top up the card with cash: remember that it is a prepaid card. Once you have completed this process:

  1. Visit the official USAA website and click on “Member Access”
  2. Log in with your credentials and click on “My Accounts”.
  3. To finish, choose “Activate debit card” and follow the instructions on the platform.

In general, the bank will ask you the same thing as in the previous case: your date of birth, number of Social Security, number of the Debit, date of issue and expiration, and the cvv security code.

How to activate USAA credit card over the phone

If you want to activate your USAA credit card over the phone, call customer service: 210-531-8722 or 800-411-4300. Follow the system instructions and remember to have your Social Security number at hand or, failing that, your USAA membership number.

It is possible that the system will indicate that you must also enter other data, such as your date of birth, credit card number and security code (which appears on the back). At the end, you will hear a confirmation message indicating that you can now use your card anywhere with a PoS payment system.

Note: Unfortunately, although USAA Bank has a mobile application (USAA Bank Mobile) you will not be able to use it to activate your cards. However, not everything is ordered! You can use the app to see your balance due, the amount of your accounts, make transfers and payments, etc.

What is USAA Bank?

USAA (United Services Automobile Association) is a banking and insurance conglomerate. The company, founded in 1922, focuses on offering a wide range of services to military, veterans and their families. Its original goal was to reduce the risk associated with potential policyholders and borrowers so that they could access products with much lower APRs and premiums.

Nowadays, USAA handles the same products as a traditional bank: checking accounts, savings accounts, certificates of deposit and credit cards; many of them exempt from monthly maintenance fees.

USAA Bank: Locations and Branches

USAA does not have many branches in the country. That is why they have strengthened their online banking system. You can use the platform to check your accounts, pay your bills, transfer money, or – if you prefer – connect through the mobile application.

Looking for the USAA Bank near you? We leave you the addresses of the offices and branches:

USAA Near You: Locations in the United States
Condition Town Direction Contact
Arizona phoenix 1 Norterra Drive

Phoenix, AZ 85085

800-531-USAA (8722)
Colorado Colorado Springs 855 Telstar Drive

Colorado Springs, CO 80920

800-531-USAA (8722)
855 Telstar Drive

Colorado Springs, CO 80920

719-244-9041
Texas Dallas 5601 Legacy Drive

Flat, TX 75024

800-531-USAA (8722)
7300 Parkwood Blvd.

Flat, TX 75024

800-531-USAA (8722)
Austin 201 West 5th St.

Austin, TX 78701

800-531-USAA (8722)
Saint Anthony 9800 Fredericksburg Road

San Antonio, TX 78288

800-531-USAA (8722)
10750 McDermott Freeway

San Antonio, TX 78288

800-531-USAA (8722)
700 North St. Mary’s St.

San Antonio, TX 78205

800-531-USAA (8722)
300 Convent St.

San Antonio, TX 78205

800-531-USAA (8722)

USAA Bank: phone (in Spanish)

USAA has an efficient customer service center that provides services by phone and online. To contact the bank, call the central number: 210-531-USAA (8722), 800-531-USAA (8722) or, if you prefer to use the mobile phone, #USAA (8722). Office hours are Monday through Friday, from 7:00 a.m. to 6:00 p.m. and Saturdays from 8:30 a.m. to 1:00 p.m.

You can also make inquiries through the social networks, by chat, online messages, email and postal mail. If you opt for this last option, send your communications to the following address:

USAA Federal Savings Bank

10750 McDermott Freeway

San Antonio, TX 78288

How expensive is USAA Bank?

Really, not so much. Most USAA Bank fees and commissions are discounted, except for account overdraft which is $29. What we like about USAA is that it offers checking accounts with no maintenance fees, ATM withdrawal fee refunds, free withdrawals at the bank’s ATM network, and expense tracking tools.

As you can see, it is a very complete bank that has few disadvantages, among them, a APY above average Y few branches in the United States.

Does USAA Bank have a rewards card?

Yes. In fact, it delivers one of the best. We talk about the USAA Rewards credit card from American Express. This edition rewards cardholders for their daily purchases by offering them 3 points for dining out, 2 points for fuel or grocery payments, and 2 points on all other qualifying purchases.

Accumulated points can redeemed for vacation packages, cruises, airline tickets, merchandise, or cash. However, be careful! The bank does not refer to the redemption value of each point: this will vary depending on the category.

Features of the USAA Rewards credit card from American Express

  • 3% fee for cash advances
  • 3% fee for balance transfers
  • Variable APR ranging from 9.90% up to 25.90% for purchases, transfers or advances
  • 2,500 as a bonus after the first qualifying purchase
  • 20,000 gift points for new members (equivalent to about $200)
  • Credit card with no annual fee or fees for transactions completed abroad
  • X3 points at restaurants, X2 points on qualifying purchases, grocery stores and gas stations

USAA Bank Credit Card FAQs

Still have questions about USAA Bank? Not sure if your credit cards are for you? Let’s explore some of the frequently asked questions from users to try to allay your concerns:

How much credit do I need to get a USAA card?

Normally, this varies depending on the card. According to our investigation, we were able to verify that USAA asks for a minimum credit of 670 points. To get the best APR in the market, you’ll need to have an excellent credit score of 850 points or higher.

Can I get pre-approved with USAA?

Unfortunately not. USAA Bank does not offer credit card pre-approvals, so you won’t know in advance if your application will be approved.. The best way to find out if USAA Bank would consider you as a customer is to fill out the form and wait for the bank’s response.

Can I use my USAA card outside the country?

Yes. In fact, USAA will be a good bank to do it with because does not charge fees or commissions extra for transactions completed abroad.

Does USAA have a special APR for balance transfers?

No. Generally, it only charges a fee equal to 3% of the amount of the balance transfer between cards. As for the APR, the same one used for purchases and cash advances will apply. It is because of that We recommend you avoid this option, since, without realizing it, you could end up paying a lot of interest.

Is it true that USAA is an economic bank?

In our experience, it is. USAA members – who must meet strict eligibility requirements – can save money with their cards because they are not subject to the payment of an annual or monthly fee, and they also do not have annoying surcharges for foreign transactions.

This feature is undoubtedly highly attractive to those who can apply for a USAA Bank membershipsuch as veterans, active military, and their families.

Can I earn points with my USAA cards?

Yes. Most USAA credit cards offer rewards.. Normally, these are kept at a minimum of 1 point per dollar spent, but there are others that could go up to 5 points per dollar (it all depends on the category of purchase).

The good part is that points accumulated with the USAA rewards program do not have an expiration date: they will be available as long as you keep your card active and up to date. In addition, you can exchange them for payments to the card if you go into default.

The bad part? Points accumulated in USAA are not compatible with other rewards programs and this is a shame because, if they were, cardholders could save much more.

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