Can I get my USAA Secured credit card converted to unsecured?
No, you cannot have your USAA® Secured American Express® Card converted to an unsecured credit card. However, once you use this card to raise your credit score, you can then go on to apply for one of USAA's unsecured cards. To build your credit score, try to keep your credit utilization ratio low and make your monthly payments on time.
It's worth noting, though, that there are several other secured credit cards which can graduate to unsecured.
Notable Secured Credit Cards That Graduate to Unsecured
Ongoing rewards: 4 points per $1 spent on dining (including takeout and food delivery), 2 points per $1 spent at grocery stores (including grocery delivery), EV charging stations and gas stations (discount stores/supercenters and wholesale clubs excluded effective September 9, 2024), 2 points per $1 spent on streaming services, as well as 1 point per $1 spent on all other purchases
Annual fee: $0
Credit requirement: Fair credit (640+ credit score recommended)
Ongoing rewards: 3% cash back in a category of your choice, 2% back at grocery stores and wholesale clubs (up to $2,500 spent quarterly in the 3% and 2% categories combined), and 1% back on all other purchases
Annual fee: $0
Credit requirement: Accepts people with bad credit
Ongoing rewards: 5% cash back on two categories of your choice (up to $2,000 each quarter), 5% back on prepaid air, hotel and car reservations booked in the Rewards Travel Center, 2% back on your choice of one everyday category (like gas stations, EV charging stations, grocery stores or restaurants) and 1% back on all other purchases
Annual fee: $0
Credit requirement: Accepts people with bad credit
Ongoing rewards: 1.5% cash back on all purchases
Annual fee: $0
Credit requirement: Accepts people with bad credit
For more options from other issuers, you can also check out our editors' latest picks for the best secured credit cards that graduate to unsecured to weigh your options.