USAA Secured American Express®
- Annual Fee
- $0
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- —
- Credit Required
- Fair
Benefits & Perks
Insurance & Protections
8 protectionsTrip Cancellation and Interruption
$1,500
You’re covered for up to $1,500 per covered person, for non-refundable prepaid passenger fare, when your travel is interrupted or canceled. This co...
$500 cell phone protection
$500
When you charge your monthly cell phone bill to your USAA credit card, you can be reimbursed up to $500, in the event your eligible cell phone is s...
View conditions
Deductible: 50
Baggage Delay Reimbursement
$100
If your checked baggage is delayed, you can be reimbursed up to $100 a day, for up to three days. Get the essentials you need such as clothing or t...
Auto Rental Collision Damage Waiver
Reserve and pay for your rental car with your credit card to get 31 days of protection worldwide. Save money by saying no at the counter — rent wit...
Travel and Emergency Assistance
If you experience an illness or emergency, while traveling or working anywhere in the world, call the benefits center for help, 24/7. You can also ...
Show all 8 protectionsShow fewer protections
$500,000 Travel Accident Insurance
$500,000
Coverage for loss of life or limb up to $500,000 when you buy your travel ticket with your card.
$15,000 Extended Warranty Protection
$15,000
Extends your manufacturer's warranty by up to a year, up to $15,000 per claim and $50,000 per account.
$1,000 Purchase Security
$1,000
Safeguard new items against theft or damage for 90 days from purchase. Covers up to $1,000 per claim, $10,000 per cardholder.
Details & Terms
Payment Terms
| Purchase APR | 27.4% (Variable) |
| Foreign Transaction Fee | $0 |
Reviews & Analysis
Media & Resources
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Apr |