I recently applied for USAA's new "LIMITLESS CASHBACK" Card and was approved. I'm excited for this card because it gives 2.5% cash back on all purchases as long as you have a monthly direct deposit into your USAA checking/savings account.
Previously I was either using my Barclay Gold or the Fidelity Rewards card to get 2% back but this will now be my default card
Currently the card is still under a PILOT program. Its been released to 26 states now. Here is the current list: AL, AR, AZ, CO, CT, GA, HI, ID, IL, IN, KS, LA, MD, MI, MN, ND, NM, NV, NY, PA, RI, SC, TN, TX, WA.
To apply you need to go to the USAA Credit Card Page - Click Here
1.) They may ask you to enter in your state to see which offers are available
2.) The LIMITLESS CASHBACK card should be the first credit card offer that appears
3.) If your in a state that doesn't offer the card yet, be patient it seems like it will come to all states soon. If you have a family member in a state that is available, you could try switching your checking home address to theirs and then apply. There are reports online of that working fine.
USAA has a couple of other good credit cards. I personally like their AMEX Cashback rewards PLUS that gives 5% back on gas and most on-base purchases.
Something else I like about USAA that most people don't know about is that you can pay your Auto Insurance with them with a Credit Card. It automatically defaults to your checking account but is easy to change.