Скачать или смотреть USAA Secured American Express Card Review 2025 | Worth It or Leave It?

Build or rebuild credit while earning interest on your deposit with the USAA Secured American Express Card, designed specifically for military members, veterans, and eligible family. With a refundable deposit between $250 and $5,000 that sets your credit limit, your funds are placed in a USAA Certificate of Deposit, earning interest as you use the card. Payment history is reported to all three major credit bureaus, helping strengthen your credit score over time. This card has no annual fee, no foreign transaction fees, and includes rare benefits for a secured card such as extended warranty protection, zero liability coverage, and travel perks like trip cancellation and auto rental insurance. However, the 27.15% APR makes carrying a balance costly, and the upfront deposit requirement can be a challenge. Since it’s only available to USAA members, not everyone will qualify. For some, it’s the ultimate military-friendly credit-building tool; for others, what lies beneath its advantages might only be revealed at the very end.

Pros:
No annual fee
No foreign transaction fees
Reports to all three major credit bureaus
Deposit earns interest in a USAA Certificate of Deposit
Extended warranty and zero liability protection
Travel benefits including trip cancellation and auto rental insurance
Flexible deposit range from $250 to $5,000

Cons:
High regular APR of 27.15%
5% fee for balance transfers and cash advances (waived for electronic USAA transfers)
Upfront deposit requirement ties up funds until closure or upgrade
Only available to USAA members
Carrying a balance quickly becomes expensive

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