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Old Dec 2, 09, 6:19 pm   #1
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USAA Opens Banking/Credit Cards up to the General Public

Credit cards were open only to military and families, now they are offering them to everyone.

Great bank, they offer generous starting credit limits if you have good credit.

http://www.usaa.com

One of the top benefits of their card products is that there is no fee if you make a cash advance to your USAA checking account. They charge the same APR for Cash Advances as purchases. Also, they only charge 1% Forex.
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Old Dec 2, 09, 9:15 pm   #2
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What about benefits that would be more meaningful for people who DONT need cash advance nor carry a balance?
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Old Dec 2, 09, 9:56 pm   #3
 
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I had an USAA MC and Visa since mid 1990's and neither I nor anybody in my family are or were in military.
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Old Dec 3, 09, 4:24 am   #4
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Quote:
Originally Posted by Happy View Post
What about benefits that would be more meaningful for people who DONT need cash advance nor carry a balance?
Great bank, they offer generous starting credit limits if you have good credit.
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Old Dec 3, 09, 4:25 am   #5
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Originally Posted by TAHKUCT View Post
I had an USAA MC and Visa since mid 1990's and neither I nor anybody in my family are or were in military.
Interesting. For the last 10+ years you needed to be a "full service member" to get their card products.
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Old Dec 3, 09, 4:56 am   #6
 
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What's a good starting credit limit? I have great credit but none of my cards are over 10k credit limit.
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Old Dec 3, 09, 5:11 am   #7
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Originally Posted by skofarrell View Post
Interesting. For the last 10+ years you needed to be a "full service member" to get their card products.
I got USAA MC card back in early 90's when it offered banking products to non-military members. It went back to military only and now it's open to everyone.

Because I didn't have military ties, I couldn't convert MC card to awards card. I guess I will call USAA to find out.
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Old Dec 3, 09, 5:22 am   #8
 
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Originally Posted by DH View Post
I got USAA MC card back in early 90's when it offered banking products to non-military members. It went back to military only and now it's open to everyone.

Because I didn't have military ties, I couldn't convert MC card to awards card. I guess I will call USAA to find out.
My MC and Visa are also non-reward cards.
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Old Dec 3, 09, 6:39 am   #9
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Originally Posted by JackDaniels View Post
What's a good starting credit limit? I have great credit but none of my cards are over 10k credit limit.
15/20k
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Old Dec 3, 09, 6:43 am   #10
 
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Originally Posted by Happy View Post
What about benefits that would be more meaningful for people who DONT need cash advance nor carry a balance?
This is my favorite, you get it as a member of USAA. This is for Hertz Car rental, but they have very similar deals for Avis and Budget:


"* Take advantage of special rates and discounts for USAA member travel in the United States.



Special Contract Rates on Daily and Weekly Rentals

* Economy through Luxury class, Standard SUV, Full-size SUV and Minivan
* Unlimited mileage on most round trip rentals (mileage charge applies to one-way rentals)



Discounts Off Published Standard and Leisure Rates

* Applies to Daily, Weekly, Weekend and Monthly Rates
* Unlimited mileage often includes Discounts



More Member Benefits for USAA Members

* No Additional Driver Fees for USAA members and their immediate family*.
* Fee-waived ($25 savings) of underage driver fee for drivers 18-24 years old.
* Primary Liability protection – Up to $25,000/$50,000/$10,000 – at no additional charge
* Waiver of all Indirect Loss of Use and Administrative Fees
* $5000 limited responsibility for the loss or damage to the rental vehicle
o Applies where Loss Damage Waiver is not included or is not purchased.
"
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Old Dec 3, 09, 8:06 am   #11
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Quote:
Originally Posted by skofarrell View Post
Interesting. For the last 10+ years you needed to be a "full service member" to get their card products.
I think you're a bit of on your timeframe, they closed it a few years ago, I joined right before they closed it based on speculation they might open up their insurance products to all members once they the closed banking/credit relationships. I tried to find the date I joined, but didn't have any luck, I think it was about four years ago. It definitely wasn't ten years ago.
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Old Dec 3, 09, 8:52 am   #12
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Originally Posted by Beckles View Post
I think you're a bit of on your timeframe, they closed it a few years ago, I joined right before they closed it based on speculation they might open up their insurance products to all members once they the closed banking/credit relationships. I tried to find the date I joined, but didn't have any luck, I think it was about four years ago. It definitely wasn't ten years ago.
Great. 4+ years then. How about we say "a long time"?

Last edited by skofarrell; Dec 3, 09 at 8:58 am..
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Old Dec 3, 09, 12:53 pm   #13
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Originally Posted by skofarrell View Post
Great bank, they offer generous starting credit limits if you have good credit.
But exactly what other benefits for people who dont need generous starting credit limits as they already have more than enough credit lines from other banks?

If there is no reward, then it is not a Great Bank to me.
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Old Dec 3, 09, 12:59 pm   #14
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Originally Posted by TAHKUCT View Post
This is my favorite, you get it as a member of USAA. This is for Hertz Car rental, but they have very similar deals for Avis and Budget:

"* Take advantage of special rates and discounts for USAA member travel in the United States.

Special Contract Rates on Daily and Weekly Rentals

* Economy through Luxury class, Standard SUV, Full-size SUV and Minivan
* Unlimited mileage on most round trip rentals (mileage charge applies to one-way rentals)

Discounts Off Published Standard and Leisure Rates

* Applies to Daily, Weekly, Weekend and Monthly Rates
* Unlimited mileage often includes Discounts

More Member Benefits for USAA Members

* No Additional Driver Fees for USAA members and their immediate family*.
* Fee-waived ($25 savings) of underage driver fee for drivers 18-24 years old.
* Primary Liability protection Up to $25,000/$50,000/$10,000 at no additional charge
* Waiver of all Indirect Loss of Use and Administrative Fees
* $5000 limited responsibility for the loss or damage to the rental vehicle
o Applies where Loss Damage Waiver is not included or is not purchased.
"
ONLY $5000 limited responsibility for the loss or damage to the rental vehicle?!

My Visa and MC from either Citi or Chase has $50,000.

Also since we only carry liability insurance on our car policy, the CC policy becomes Primary by default. They are always Primary internationally anyway.

Primary Liability protection refers to what? 3rd party injury? Your own car insurance would have covered that already.

The only slight edge I see is the possible discount rates, but the saving of that would be quite minimal when comparing on other discount codes floating around on internet - I would say at best an additional 5%.
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Old Dec 3, 09, 1:10 pm   #15
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Originally Posted by Happy View Post
But exactly what other benefits for people who dont need generous starting credit limits as they already have more than enough credit lines from other banks?

If there is no reward, then it is not a Great Bank to me.
One size rarely fits all.
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