USAA Federal Savings Bank credit card terms
Top-25 issuer · 8 products surveyed · CFPB TCCP survey, Jul-Dec 2025
USAA Federal Savings Bank reported a surveyed purchase APR of 10.65% – 27.65% (median 24.65%) to the CFPB Terms of Credit Card Plans survey, across 8 products. It is one of the 25 largest U.S. card issuers. Annual fees on surveyed cards: $95. These are surveyed terms, not an offer — your APR depends on your credit.
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
USAA Federal Savings Bank surveyed terms at a glance
| Term | Reported value |
|---|---|
| Purchase APR (surveyed range) | 10.65% – 27.65% |
| Median purchase APR | 24.65% |
| Rate type | variable |
| Intro / promo APR offered | Yes |
| Balance-transfer APR (max) | — |
| Cash-advance APR (max) | 27.65% |
| Annual fee | $95 |
| Late fee (median) | $25 |
| Secured card offered | Yes |
| Products surveyed | 8 |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
A dash (—) means USAA Federal Savings Bank did not report that field in the survey.
USAA Federal Savings Bank purchase APR by credit tier
Median purchase APR USAA Federal Savings Bank reported for each applicant credit tier. Cards typically quote a range and place you within it based on your credit:
| Your credit tier | Median purchase APR |
|---|---|
| Poor credit (619 or less) | 27.65% |
| Good credit (620-719) | 25.65% |
| Great credit (720+) | 19.65% |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
How USAA Federal Savings Bank compares
For good credit (620-719), the CFPB median purchase APR was 28.2% at large issuers and 18.15% at small banks and credit unions. USAA Federal Savings Bank's median of 24.65% sits above the 21% national average APR.
Similar issuers (top-25 issuer)
| Issuer | Surveyed purchase APR | Median APR | Annual fee |
|---|---|---|---|
| USAA Federal Savings Bank (this issuer) | 10.65% – 27.65% | 24.65% | $95 |
| U.S. Bancorp | 16.49% – 30.49% | 24.49% | — |
| TD Bank | 17.24% – 28.99% | 23.99% | $29 – $89 |
| Regions Bank | 18.49% – 28.49% | 25.49% | — |
| Citizens Bank | 15.74% – 29.24% | 23.49% | $295 |
| Fifth Third Bank | 8.99% – 29.49% | 25.99% | $24 |
| PNC Bank | 18.49% – 30.24% | 26.12% | — |
U.S. Bancorp · TD Bank · Regions Bank · Citizens Bank · Fifth Third Bank · PNC Bank
Frequently asked questions
What is USAA Federal Savings Bank's credit card APR?
USAA Federal Savings Bank reported a purchase APR of 10.65% – 27.65% to the CFPB Terms of Credit Card Plans survey (median 24.65%), across 8 surveyed products. Rates are variable. This is a surveyed range, not an offer; your actual APR depends on your credit.
Does USAA Federal Savings Bank charge an annual fee?
USAA Federal Savings Bank's surveyed cards carry an annual fee of $95. Many cards from this issuer have a $0 annual fee; premium cards charge more. Verify the specific card.
Is USAA Federal Savings Bank a good choice for a low APR?
USAA Federal Savings Bank is one of the 25 largest issuers. The CFPB found large issuers charge roughly 8 to 10 percentage points (large vs small issuers, across credit tiers) more than small banks and credit unions. If a low APR is the priority, compare a local credit union.
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Sources & accuracy
Terms reported by USAA Federal Savings Bank (Usaa Federal Savings Bank) to the CFPB Terms of Credit Card Plans (TCCP) Survey (U.S. public domain, CFPB TCCP survey, Jul-Dec 2025). Surveyed terms are not an offer; your actual APR, fees and approval depend on your creditworthiness. Verify current terms with the issuer. See our methodology and disclaimer.
Last updated: 2026-06-29