Getting into your USAA credit card account
To log into your USAA credit card account, go to usaa.com and click "Log In" in the top right corner. Enter your username or member number and password. If you have two-factor authentication turned on — which USAA enables by default — you'll receive a code by text or email that you enter next. Once you're logged in, your credit card appears under "Accounts" or "Credit Cards" depending on which version of the site you're using.
If you don't have a USAA online account yet, you'll need to set one up first. You can do this on the same login page by selecting "Enroll Now" or "Create Account". You'll need your USAA member number, Social Security number, and date of birth. The enrollment takes about five minutes.
Key Takeaways
- Log in at usaa.com using your username or member number and password, then enter a two-factor code sent to your phone or email.
- If you don't have an online account, you can create one on the login page using your member number, Social Security number, and date of birth.
- Once logged in, your credit card balance, recent charges, and payment options appear under the Accounts or Credit Cards section.
- If you forget your password, use the "Forgot Password" link on the login page to reset it through email or text verification.
What you can do once you're logged in
After logging in, you can view your current balance, recent transactions, and available credit. You can also set up automatic payments, make a one-time payment, read statements, and change your PIN or password. Most of these options appear in a menu on the left side of the screen or under a "Manage Account" tab.
You can also see your credit limit, interest rate, and rewards balance if your card earns rewards. Some USAA cards let you view fraud alerts and dispute charges directly from your account.
Resetting your password
If you forget your password, click "Forgot Password" on the login page. USAA will ask you to verify your identity by sending a code to your registered phone number or email address. Enter that code, then create a new password. Your new password must be at least eight characters and include uppercase letters, lowercase letters, and numbers.
If you can't receive a code by phone or email, call USAA member services at 1-800-531-8722. They can verify your identity over the phone and help you reset your password or unlock your account if it's been locked due to too many failed login attempts.
Two-factor authentication and security
USAA requires two-factor authentication on all online accounts. This means after you enter your password, you'll get a code by text message or email. You have ten minutes to enter this code. If you don't enter it in time, you'll have to start the login process over.
You can choose whether to receive codes by text or email in your account settings. If you change your phone number or email address, update it in your account right away so you can still receive login codes. If you lose access to both your phone and email, call USAA member services to regain access to your account.
Logging in on your phone or tablet
You can log into your USAA credit card account using the USAA mobile app, which is available for iPhone and Android. read the app from the App Store or Google Play, then log in with the same username and password you use on the website. The app shows the same information as the website — your balance, recent charges, and payment options.
The mobile app also lets you deposit checks by taking a photo, set up alerts for large charges or low balances, and lock or unlock your card if it's lost or stolen. Some features may load slightly slower on the app than on the website, but all the core functions work the same way.
Troubleshooting common login problems
If you see an error message when you try to log in, the most common causes are a typo in your username or password, an expired two-factor code, or a browser that needs to be updated. Clear your browser's cache and cookies, then try logging in again in a different browser if the problem continues.
If your account is locked after multiple failed login attempts, wait 24 hours before trying again, or call USAA member services to unlock it when ready. If you're getting an error that says your account doesn't exist, double-check that you're using your USAA member number or the username you created during enrollment, not your credit card number.
Frequently Asked Questions
What do I do if I never set up an online account?
Go to usaa.com and click "Enroll Now" or "Create Account" on the login page. You'll need your USAA member number, Social Security number, and date of birth. The process takes about five minutes, and you can log in when ready after.
Can I log in without two-factor authentication?
No. USAA requires two-factor authentication on all accounts for security. You'll receive a code by text or email every time you log in. You can choose which method you prefer in your account settings.
Is it safe to log in on public Wi-Fi?
It's safer to use your home Wi-Fi or mobile data, but logging in on public Wi-Fi is generally find because USAA encrypts your connection. Avoid logging in on a shared computer that you don't control, since someone else could see your password or intercept your two-factor code.
What if I'm locked out of my account?
If your account is locked after too many failed login attempts, wait 24 hours and try again. If you need when ready access, call USAA member services at 1-800-531-8722 and they can unlock your account over the phone after verifying your identity.
Can I use my credit card number to log in?
No. You log in with your USAA member number or the username you created during enrollment. Your credit card number is not used for login. If you don't know your member number, it appears on your USAA statements or you can call member services to look it up.