Detected in the CFPB-filed cardholder agreements from Usaa Federal Savings Bank. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Forced arbitration with no opt-out found — you likely can't take this issuer to court, and there's no way to reject it.
Forced arbitration
You give up your right to sue in court — disputes are pushed into private arbitration.
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“…represented by attorneys in arbitration. Which claims or disputes are subject to arbitration? Covered Claims must be arbitrated if either you or FSB elect arbitration. A Covered Claim is any pre-existing, present, or future claim, dispute or controversy between you and FSB concerning an Account covered by this A…”
You can't band together with other cardholders in a class action.
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“…s 9. Attorney Fees 5. Pay-Ahead Program 10. Expedited Delivery 11. Military Lending Act Notice D. DEFAULT AND CLOSING THE ACCOUNT 12. Arbitration and Waiver of Class Action 1. Default 2. Closing or Suspending the Account H. BILLING RIGHTS NOTICE A. AGREEMENT This USAA Credit Card Agreement ( Agreement ) is your co…”
You waive your right to have a dispute heard by a jury.
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“…solved by arbitration on an individual basis according to the terms of this Arbitration and Waiver of Class Action section. Accordingly, you agree to waive your right to a trial by a judge or jury or to participate in a collective or class action against us in connection with any Covered Claim. This Arbitration and Waiver of Class Action sectio…”
The issuer reserves the right to change your rates, fees and terms at any time.
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“…tion that will allow us to identify you. We may also ask to see your driver s license or other identifying documents. 2. Changes to the Agreement. We may change the Agreement or the Account at any time, whether by adding new terms and conditions or deleting or amending existing ones. If required by applicable law, we will send you advance notice of…”
The intro rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered0%
Median0%
Highest offered0%
Balance transfer APR
Promotional window: 15 months
The transfer rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered0%
Median0%
Highest offered0%
Cash advance APR
No score
26.65%
≤619
27.65%
620–719
26.65%
720+
21.65%
Lowest offered15.65%
Median—
Highest offered27.65%
Every fee on this card
Annual feeNone
Balance transfer fee5%
Cash advance fee5%
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$25
Repeat late fee (6 mo)$35
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Return Payment$25
Rewards, benefits and features
Rewards
Cashback rewards
Services
Access to Free Credit Scores
Automobile rental insurance
Extension on manufacturer’s warranty
Other
Features
Contactless Payments
Chip card
Fee-free foreign transactions
Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityNational
Membership requirementsYes
RequirementProfessional Affiliation
Affiliation: Service Member Related
Phone(800) 531-8722
Balance transfer calculator
Stay put — 15 mo at 24%$750
Transfer fee (5%)$250
Promo interest at 0.00%$0
You save$500
Assumes you pay the balance down evenly across the 15-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 24.65% afterwards.
Cost to carry a balance
Interest for a year at 24.65%$739.50
Annual / periodic fees$0
Total yearly cost$739.50
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.
Cardholder agreements
1 document filed by Usaa Federal Savings Bank in the 2026 Q1 archive.