The USAA is a personal credit card from USAA. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 15.40% to 27.40% variable after a 0% intro APR for 15 months on balance transfers and convenience checks that post to your account within 90 days of account opening introductory rate for 15 months. Approval typically requires a credit score of 650-700 or higher. Signup bonus: $200. Rewards: 5% cash back on the first $3,000 of gas station purchases yearly; 3% on the first $3,000 of groceries yearly; 5% on the first $5,000 of military base purchases yearly; 1% on other purchases. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Application rules: American Express application limits: 1-in-5 (max 1 personal card approval per 5-day window) AND 2-in-90 (max 2 cards approved within any rolling 90-day period). Sign-up bonuses are once-per-lifetime per card product family. Charge cards (Green/Gold/Platinum) generally don't count toward credit-card velocity rules..