USAA® membership is exclusive to members of the military community, along with their spouses and children. If you qualify, though, you can apply for one of the best USAA credit cards. While they don’t stack up well against the best rewards credit cards, they can be a convenient option if you bank with USAA. Our top choices mostly offer so-so rewards rates and decent 0% APR promotions. For the most part, you also won’t have to worry about annual fees or foreign transaction fees.