m.exmac.usaa.com Open in urlscan Pro
34.213.54.52  Public Scan

Form analysis
0 forms found in the DOM

Text Content

Apply today for the Preferred Cash Rewards Credit Card.

View this email on web

USAA SECURITY ZONE

Kermit

Bonner

USAA # ending in:4614



This special offer gives you a $200 reward bonus when you spend $1,000 on
qualifying purchases by May 31, 2024‍ ‍1, plus a low Intro APR and 1.5% cash
back on purchases.‍ ‍2 



Or call 800-531-8712



Get a 0% Intro APR through your June 2025 billing cycle on purchases, and on any
balance transfers and convenience checks that post to your account by May 31,
2024.

After this time, your variable regular APR of 17.15% will apply to these
introductory balances and any new transactions. The variable regular APR will
vary with the market based on the Prime Rate. There is a fee of 5% of the amount
of each balance transfer and convenience check from account opening.‍ ‍3,4,5

Plus! Earn a $200 reward bonus when you spend $1,000 on qualifying purchases
by May 31, 2024.

Earn unlimited 1.5% cash back‍ ‍2

on purchases



Rewards don't expire

on accounts that remain open



No annual fee‍ ‍3

and no foreign transaction fees

See Reward Terms & Conditions

 

This limited-time offer expires February 29, 2024. 



You can choose to stop receiving "prescreened" offers of credit from USAA and
other companies by calling toll-free 1-888-5-OPT-OUT (1-888-567-8688) or
visiting the website at www.optoutprescreen.com. See the PRESCREEN & OPT-OUT
NOTICE below for more information about prescreened offers.





Change your email address  |   Unsubscribe  |   Privacy Promise


Please do not reply to this email. To contact USAA, visit our secure contact
page.

USAA will never ask for sensitive personal information, such as a Social
Security number, a PIN, account numbers, or a password in an email. To ensure
delivery to your inbox, please add offers@exmac.usaa.com to your address book. 

This advertisement brought to you by USAA, 9800 Fredericksburg Rd., San Antonio,
TX 78288.



Offer expires on February 29, 2024 at 11:59 p.m. CT.

Rates effective as of 02/05/2024.



1 To qualify for a bonus, you must meet the purchase requirements described in
the offer. Please allow up to 90 days after the end of the promotion for the
bonus to be added to your rewards balance within the USAA Rewards Center.
Transactions that are not Qualifying Purchases do not earn rewards and will not
apply to purchase requirements of the offer. See the Reward Program Terms and
Conditions for more information.

2 You will earn rewards based on your Qualifying Purchases. Qualifying Purchases
are the Purchases of products or services that post to your Account, minus any
returns, refunds, or other adjustments made with your Account by you or an
Authorized User of your Account. Certain restrictions apply, including
limitations if your Account becomes delinquent or closed. Transactions that are
not Qualifying Purchases do not earn rewards. See the Reward Program Terms and
Conditions for more information.

3 See the table below for information about rates, fees and other costs. Offer
subject to confirmation that (a) you continue to meet approval criteria,
including criteria related to your credit history, and (b) you have sufficient
income to support the additional credit.

4 After the introductory period, your Regular APR will apply to these
introductory balances and any new transactions. Your Regular APR will apply to
Cash Advances immediately upon account opening. Your Regular APR will vary with
the market based on the Prime Rate. Offer subject to confirmation that you
continue to meet credit approval criteria. Restrictions and limitations apply.

5 If you transfer a balance, write a Convenience Check, or take a Cash Advance,
we will charge you interest on all new and outstanding Purchases (unless you
have an introductory or promotional 0% APR on Purchases) until you pay your
entire balance in full, including the amount of any Balance Transfer,
Convenience Check or Cash Advance. After that, you will have a grace period on
Purchases when you pay your entire statement balance each month by the payment
due date.

If you apply for a USAA Visa Signature® Credit Card and are approved for a
credit limit less than $3,000 you'll automatically be issued a USAA Visa®
Platinum Credit Card with the same terms and fees.

The offer referenced in this communication is valid only for the member number
to whom it is addressed and is nontransferable. This offer is valid for one new
Account per member number only and is not available on any existing USAA credit
cards.

The Contactless Indicator mark, consisting of four graduating arcs, is a
trademark owned by and used with permission of EMVCo, LLC.

Visa is a registered trademark of Visa International Service Association and
used under license.

Credit cards are issued by USAA Savings Bank and serviced by USAA Federal
Savings Bank.

PRESCREEN & OPT-OUT NOTICE: This "prescreened" offer of credit is based on
information in your credit report indicating that you meet certain criteria.
This offer is not guaranteed if you do not meet our criteria, including
providing any collateral that may be required. If you do not want to receive
prescreened offers of credit from USAA and other companies, call the following
consumer reporting agencies at their automated toll-free number, 1-888-5-OPT-OUT
(1-888-567-8688); or visit the website at www.optoutprescreen.com or write them
individually at:

Experian Marketing Services
Attn: Opt-out Services
PO Box 919
Allen, TX 75013

Equifax Information Services LLC
PO Box 740123
Atlanta, GA 30374-0123

TransUnion Opt Out Request
PO Box 505
Woodlyn, PA 19094

Application Disclosures
A. Rates, Fees and Other Cost Information

Interest Rates and Interest Charges

Regular Annual Percentage Rate (APR) for:

Purchases

Balance Transfers

Cash Advances

17.15%

This APR will vary with the market based on the Prime Rate. ‍ ‍6

Introductory APR for:

Purchases

Balance Transfers

Convenience Checks

0% Introductory APR through your June 2025 billing cycle on Purchases, and on
any Balance Transfers and Convenience Checks that post to your account by May
31, 2024. After this time, your APR will be 17.15%. This APR will vary with the
market based on the Prime Rate. ‍ ‍6

 

Use By Date: Your Balance Transfer or Convenience Check must post to your
account by May 31, 2024, for the Introductory APR to apply to the transaction.
If it posts after that date, we may honor the transaction, but you will not
receive the Introductory APR. Instead, the Regular APR will apply.

Penalty APR None How to Avoid Paying Interest on Purchases Your due date is at
least 25 days after the close of each billing cycle. We will not charge you
interest on Purchases if you pay your entire balance by the due date each
month. ‍ ‍7 Minimum Interest Charge None For Credit Card Tips From the Consumer
Financial Protection Bureau To learn more about factors to consider when
applying for or using a credit card, visit the website of the Consumer Financial
Protection Bureau at http://www.consumerfinance.gov/learnmore.


Fees Annual Fee None Transaction Fees  
Balance Transfer
5% of the amount of each Balance Transfer.
Cash Advance
5% of the amount of each Cash Advance. Fee waived when transferring funds
electronically to a USAA deposit account.
Foreign Transaction
None Penalty Fees  
Late Payment
Up to $35 ‍ ‍8
Returned Payment
Up to $35 ‍ ‍8
Over-the-Credit Limit
None




How We Will Calculate Your Balance: We will use a method called “average daily
balance (including new transactions).”

6 Other than an introductory rate, the APRs may increase or decrease monthly
based on the Prime Rate published in The Wall Street Journal. There is no limit
on the amount of any increase. Any increase in the APR may increase your minimum
payment and amount of interest you pay.

7 We charge interest (unless the grace period applies) from the date of the
transaction until the date you pay us back. There is no grace period for Cash
Advances or Balance Transfers.

8 Late Payment Fee is $25 for the first time late within prior six billing
periods; otherwise $35. Returned Payment Fee is $25 for first return payment
within prior six billing periods; otherwise $35. In no event will either fee
exceed the Minimum Payment Due on your most recent bill.

New York Residents: For questions, call us at 800-531-8712. New York residents
may contact the New York State Department of Financial Services by calling
800-342-3736 or by visiting its website, www.dfs.ny.gov/consumers, for free
information on comparative credit card rates, fees and grace periods.

B. Other Information

By requesting a USAA credit card account from USAA Savings Bank (referred to as
“we,” “us” or “our” in this paragraph):

 * You certify that: (1) you are a U.S. citizen or a permanent resident of the
   U.S.; (2) you are at least 18 years of age; and (3) the information you
   provide to us is correct and given for the purpose of obtaining credit. You
   understand that we will rely on this information.
 * You authorize us to confirm the information you provide to us, retain your
   application, and open an account for you. You also authorize us to obtain and
   use consumer credit reports in connection with this application and in
   reviewing, modifying or collecting any credit extended to you. If you ask, we
   will tell you if we requested a credit report and give you the name and
   address of the credit reporting agency. If we no longer offer or you do not
   qualify for the card requested, you authorize us to consider you for another
   USAA credit card account.

Your application is subject to our approval in Nevada. Upon approval, we will
establish the amount of your credit line (minimum $500) and send you a Credit
Card Agreement and your credit card(s). This offer is not transferable.

Credit Card Agreement: You will be deemed to sign the agreement when the first
transaction is made on the account. If no transactions are made within 30 days
after your account is opened, then you will be deemed to sign the agreement
unless you close the account. If you do not want to agree to the terms in the
agreement, make sure no transactions are made and that you close the account
within 30 days from when it is opened. The Agreement is governed by the Laws of
Nevada and the United States and is subject to change.

California Residents: Married applicants may apply for separate credit.

Ohio Residents: The Ohio laws against discrimination require that all creditors
make credit equally available to all creditworthy customers, and that credit
reporting agencies maintain separate credit histories on each individual upon
request. The Ohio Civil Rights Commission administers compliance with this law.

Wisconsin Residents: No provision of a marital property agreement, a unilateral
statement under section 766.59, or a court decree under section 766.70 adversely
affects the interest of the creditor unless the creditor, prior to the time the
credit is granted, is furnished a copy of the agreement, statement or decree or
has actual knowledge of the adverse provision when the obligation to the
creditor is incurred.

Zero liability policy: You are not liable for unauthorized use that is reported
to us. Unauthorized use means the use of a credit card by someone other than you
who does not have actual, implied or apparent authority for such use and from
which you do not receive a direct or indirect benefit. We will follow the
requirements of the federal Truth in Lending Act and Nevada law to determine if
a charge is unauthorized.

Telephone Numbers: The numbers you provide in your account application will
update your personal profile used by the USAA companies. By providing the
telephone numbers in your profile, you are giving USAA permission to contact you
at these phone numbers about USAA products. You may edit phone numbers in your
profile at any time by visiting usaa.com or by calling us.

Arbitration: The Credit Card Agreement has an arbitration clause which states
that either you or we can require that certain disputes must be resolved by
binding arbitration rather than in a court by a judge or a jury. The arbitration
clause may substantially limit or affect your rights, including your right to go
to court, to have a trial by jury to conduct discovery, to appeal, and to
participate in a class action or any similar proceeding. If you are a
Servicemember or a dependent covered by the protections of the Military Lending
Act, the Arbitration provision does not apply to you.

Important Information About Transferring Balances

You may transfer balances totaling up to your transfer limit. Your transfer
limit is equal to 95% of your Credit Limit less any other balances (including
pending transactions, interest and fees). We may refuse to process a Balance
Transfer if it would exceed your transfer limit. Balance Transfers cannot be
made from another USAA credit card account. Please allow up to 4 business days
for Balance Transfers we can process electronically.

Please continue to make payments on the unpaid balance of each account according
to the terms of the agreement. We cannot close your other account(s) with other
creditors, even if you transfer the entire balance. Please contact the creditor
of the account for information on how to close that account. Important: If you
transfer an amount related to a transaction you dispute, you may lose your
rights against the other creditor. Your dispute does not transfer to us.

There is a transaction fee of 5% of the amount of each Balance Transfer and each
Cash Advance (including Convenience Checks). There is no grace period for Cash
Advances or Balance Transfers. At the end of any Introductory period that
applies, all unpaid balances receiving the Introductory APR will be moved from
the Introductory balance to your Regular Cash Advance balance.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the
government fight the funding of terrorism and money laundering activities,
federal law requires all financial institutions to obtain, verify, and record
information that identifies each person who opens an account. What this means
for you: When you open an account, we will ask for your name, address, date of
birth, and other information that will allow us to identify you. We may also ask
to see your driver's license or other identifying documents.

© 2024 USAA 5755736.1.1123

PCB 33601 

Tactic 9907 

Please consider the environment before printing this email.