How to activate the USAA card

Monday, October 4, 2021

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, you can now pay your bills, purchases and even orders online using your debit or credit card .

To do this, the card you have must be current (look at 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 the step by step to activate the card online or by phone.

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 methods of activation (online and over the 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 will have to follow a few simple steps . Remember to have your User ID and password at hand to be able to log into the platform:

Visit the USAA user platform and log in . You can enter from the browser of your computer, laptop, tablet or smartphone.
If you do not have an online account with USAA, please register by clicking this link . Follow the easy-to-follow system instructions and enter your USAA membership number.
Once you log in, open the menu and click "Activate card . "
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 : its number, the expiration date (MM / YY), your date of birth, your Social Security number and the CVV security code.
After completing the form, click "Activate" and voila! Your USAA card will be ready to make payments.

How to Activate USAA Debit (Prepaid) Card Online

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

Visit the USAA official page and click on "Member Login"
Log in with your credentials and click on "My Accounts."
To finish, choose "Activate debit card" and follow the instructions on the platform.

Usually, the bank will ask the same as in the previous case: your date of birth , number of Social Security , the number of debit card , date of issuance and expiration date , and security code CVV.

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 on hand or, failing that, your USAA membership number.

The system may tell you that you must also enter other information , 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 that will tell you 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 . Founded in 1922, the company focuses on offering a wide range of services to the 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 .

Today, USAA handles the same products as a traditional bank : checking accounts, savings accounts, certificates of deposit, and credit cards ; many of them waived 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 USAA Bank near you? We leave you the addresses of the offices and branches:

USAA Near You: Locations in the United States
State	Town	Address	Contact
Arizona	Phoenix	1 North Drive Phoenix, AZ 85085	800-531-USAA (8722)
Colorado	Colorado Springs	855 Telstar Drive Colorado Springs, CO 80920	800-531-USAA (8722)
Colorado	Colorado Springs	855 Telstar Drive Colorado Springs, CO 80920	719-244-9041
Texas	Dallas	5601 Legacy Drive Plano, TX 75024	800-531-USAA (8722)
	Dallas	7300 Parkwood Blvd. Plano, TX 75024	800-531-USAA (8722)
	Austin	201 West 5th St. Austin, TX 78701	800-531-USAA (8722)
	San antonio	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	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). Hours of operation 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 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?

Not really so much. Most of USAA Bank's fees and commissions are discounted, with the exception of the account overdraft which costs $ 29 . What we like about USAA is that it offers checking accounts with no maintenance fees , refunds for ATM withdrawals, free withdrawals from 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, an APY that exceeds the average and few branches in the United States .

Does USAA Bank have a rewards card?

Yes. In fact, it delivers one of the best. We are talking 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 gas or grocery payments, and 2 points for all other qualifying purchases .

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

American Express USAA Rewards Credit Card Features

3% fee for cash advances
3% fee for balance transfers
Variable APR ranging from 9.90% 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 in restaurants, X2 points in qualified purchases, grocery stores and service 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 clear up your concerns:

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

Typically this varies depending on the card. According to our research we were able to verify that USAA asks for a minimum credit of 670 points . To get the best APR on the market, you will 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 will not be able to 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 by filling out the form and waiting for the bank's response.

Can I use my USAA card outside the country?

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

Does USAA have a special APR for balance transfers?

No. Generally, you only charge a commission equal to 3% of the amount of the balance transfer between cards . As for the APR, the same that is used for purchases and cash advances will be applied. That is why we recommend avoiding 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 an annual or monthly fee, and there are no pesky overseas transaction fees .

This feature is undoubtedly extremely attractive to those who may apply for a USAA Bank membership , such as veterans, active military personnel, and their family members.

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 for every dollar spent, but there are others that could go up to 5 points per dollar (it all depends on the purchase category).

The good part is that the 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 are in default.

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

reference: https://www.creditosenusa.com/como-activar-la-tarjeta-de-usaa/

Browyn Green Blog