USAA Bank Performance in the JD Power 2026 U.S. Credit Card Satisfaction Study
What This Means for You - And How You See The Value Every Day
The Lead:
- USAA Bank earned a score of 651 in the JD Power 2026 U.S. Credit Card Satisfaction StudySM, 39 points above the credit card issuer average of 612
- As ‘card value’ becomes a more critical driver of satisfaction, USAA Bank has launched new rewards credit cardsthat deliver higher value for everyday spending
- Easier reward redemption and digital enhancements are helping households navigate rising costs
What’s Behind a JD Power Score – And How You Experience This Everyday
The JD Power 2026 U.S. Credit Card Satisfaction Study polls tens of thousands of cardholders like you to provide an independent, comprehensive view of how they experience their primary credit cards.
The study measures customer satisfaction with a cardholder’s primary credit card across seven dimensions: account management, benefits, customer service, new account, rewards earning, rewards redeeming and terms.
The study also tracks how customer perceptions shift. As JD Power notes in the 2026 study:
“Card value – the combined impact of terms, benefits and rewards – is becoming a more critical driver of satisfaction.”
Value. No other word has mattered more to USAA over the last 12 months. As more Americans have faced rising household costs, USAA Bank has enhanced our credit card lineup to deliver more value to members to help ease that strain.
We’ve amplified what you earn in rewards, including categories where consumer prices have increased, such as gas and groceries. We have made it easier to for you to use those rewards to offset everyday costs.
Our intention is simple: put more money back in the pockets of our military service members and their families:
New Products, Bigger Rewards: USAA Bank rolled out new credit cards that delivered more cash back in the categories where your spending matters most.
- USAA® Eagle Adapt™ Visa Signature® Credit Card: 3% cash back on the first $3,000 in combined quarterly purchases across groceries, dining, home improvement, gas, health and wellness, and other eligible spend categories
- USAA® Cashback Rewards Plus American Express® Credit Card: Enhances value for military service members, with 5% on the first $5,000 in military base purchases and the first $3,000 in gas purchases annually, along with 3% for the first $3,000 in grocery purchases annually.
A Game-Changing Credit Builder: We also launched the USAA® Eagle Ascend™ American Express® Credit Card, a new product for credit building that delivers rewards and added benefits. We believe that those starting or rebuilding credit deserve rewards.
More Flexibility for Everyday Expenses: In a recent USAA Bank survey, over 35% said they redeem their credit card rewards for daily essentials. USAA Bank’s Shop with Rewards program enables you to use their rewards points to reduce a gas, grocery or retail expense, right at the point-of-sale. That’s in-the-moment relief, helping you free up money for other needs.
As gas prices have stayed high, these offers have been immensely popular. Shop With Rewards is now the #1 redemption option by monthly volume among USAA Bank credit card holders.
Streamlined Digital Experience: You asked, we listened. Applying for a new USAA credit card is easier than ever. We’ve enhanced the insights you get on your spending behaviors and added new credit tools that help you manage your finances.
Delivering Value When and Where It’s Needed Most
We measure credit card satisfaction a little differently. We ask ourselves: Does your USAA credit card give you good value? Is your USAA credit card made for the realities of military life? Does it contribute to your financial security?
For some, this could mean handling rising costs with ease. For others, that could mean managing a life event without burden.
The value that USAA Bank brings can be felt in your everyday financial life. Here’s what people are saying about USAA’s credit cards:
*Customer Testimonials are not affiliated with the JD Power 2026 U.S. Credit Card Satisfaction Study.
Looking Ahead
This is just the beginning. In the coming year, we're doubling down on delivering exceptional value through innovative new products and even better service. Expect deeper and unique rewards, even more choice on where you use your rewards, additional benefits for military service members and more ways to help ease the pressure of rising costs. That’s the value that comes with being a USAA Bank credit card holder.
Q&A
Q: What did USAA score in the JD Power 2026 U.S. Credit Card Satisfaction Study?
A: USAA earned a score of 651 on a 1,000-point scale. This score is 39 points above the credit card issuer average score of 612.
Q: Did USAA’s score improve in the JD Power 2026 U.S. Credit Card Satisfaction Study?
A: Yes, USAA’s score of 651 was a 13-point improvement over 2025.
Q: Why is USAA not ranked in the JD Power 2026 U.S. Credit Card Satisfaction Study?
A: USAA is not eligible to be included within the rankings of the JD Power study due to our membership restrictions.
Q: What USAA credit cards earned scores in the JD Power 2026 U.S. Credit Card Satisfaction Study?
A: Three USAA Bank credit cards earned scores. All three scores were above the average for their respective product segments:
- USAA® Cashback Rewards Plus American Express® Credit Card — 661, 38 points above the 623 average for currently marketed bank rewards credit cards with no annual fee.
- USAA® Preferred Cash Rewards Visa Signature® Credit Card — 651, 28 points above the 623 average for currently marketed bank rewards credit cards with no annual fee.
- USAA Rate Advantage Visa® Platinum Credit Card — 668, 95 points above the 573 average for currently marketed bank credit cards with no rewards or annual fee.
Q: What other scores or recognition has USAA Bank earned in the last year?
A: USAA Bank was named the #2 U.S. bank in the Forbes 2026 World’s Best Banks ranking. USAA Bank has also earned high marks in industry surveys on customer service and satisfaction from Forbes, Time and ACSI.
Q: What has USAA done to enhance member satisfaction over the last year?
A: USAA has enhanced the value of membership. In credit cards, USAA Bank launched three new or upgraded credit cards, two of which feature higher rewards for everyday spending. USAA Bank made it easier for members to use their credit card rewards to offset everyday costs through its Shop With Rewards program. It also enhanced the digital experience for members.
Q: What is the JD Power U.S. Credit Card Satisfaction Study?
A: The U.S. Credit Card Satisfaction Study, now in its 20th year, measures customer satisfaction with their primary credit card by examining seven dimensions (in alphabetical order): account management; benefits; customer service; new account; rewards earning; rewards redeeming; and terms. The 2026 study includes responses from 40,386 credit card customers and was fielded from June 2025 through May 2026.For more information about the U.S. Credit Card Satisfaction Study, visit https://www.jdpower.com/business/u-s-credit-card-satisfaction-study/
About JD Power
JD Power delivers mission-critical data, analytics and intelligence that help businesses improve customer experience and operational performance with confidence and clarity. Using proprietary, comprehensive data– including millions of consumer interactions and authoritative automotive datasets–combined with advanced analytics, artificial intelligence and deep industry expertise, JD Power enables leaders to respond to market shifts, make smarter decisions and drive measurable performance improvements.
As an objective source of deep insight into real-world customer interactions with brands and products, JD Power provides the independent intelligence organizations need to anticipate change, strengthen customer engagement and advance growth. Learn more at JDPower.com.
NOTE: USAA is not eligible to be included within the rankings of JD Power’s study due to our membership restrictions.
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