USAA

Bank · 1 live offer, $250 cash

USAA has 1 live sign-up bonus we track, the biggest $250. Every offer below is verified against USAA's own terms and carries the date we last checked it. We take no affiliate placement, so what appears and in what order reflects the offers, not payouts.

USAA at a glance

ChexSystems	Not applicabletypical
Credit pull	Hard credit inquiry on approvaltypical
Cooldowns	New cardholders only; often once per lifetime per cardtypical

Rows marked typical are the norm for this kind of institution, not something we have confirmed for USAA. We replace them with its own terms as its offers are reviewed.

Read the eligibility before anything else, because it disqualifies most people. USAA is open only to those who have served, are enlisting or commissioning, are actively commissioned NOAA or Public Health Service officers, are federal agency employees, or have a parent or spouse who served or is already a member. There is no donation, association or purchase path in for a civilian with no military connection. The bank itself is a $110 billion branchless operation with two offices, chartered in 1983 under a parent founded by Army officers in 1922.

Live offers

Preferred Cash Rewards

Cash-back card · No annual fee

$250

sign-up bonus

$1,000 in purchases in 90 days

no end date

confirmed Jul 21, 2026

Common questions

What sign-up bonuses does USAA have right now?

USAA has 1 live sign-up bonus, the biggest $250. See the full list above, each verified against USAA's own terms.

Does USAA use ChexSystems?

Not applicable

Does opening a USAA account affect my credit?

Hard credit inquiry on approval