At the start of October 2016, USAA launched a new credit card called ‘Limitless’, you can read our full review here. The main thing to know is that it earns 2.5% cash back on all purchases (as long as you have a USAA checking account and receive a $1k direct deposit) with no annual fee.
Previously it was only available on an invite only basis, then it became available in a few states. They’ve now added a many more eligible states.
Here’s the list: AL, AZ, CO, GA, ID, IN, KS, LA, MI, NM, PA, SC, TN and WA.
This product is currently available to members residing in the following states: AL, AZ, CO, GA, ID, IN, KS, LA, MI, NM, PA, SC, TN and WA. It will become available in additional states at a later date.
You can use this link and the offer will show if you select any of those states as your location.
View Comments (16)
ACH push from NFCU registered as a direct deposit.
Thanks for the tip! Instant approval with $10k CL. This will help my utilization since my Barclaycard accounts were all closed earlier this month.
This is not true, I have had the card since it first came out and I'm in Texas.
Also, I funded my Regions checking, $1000, and it did not count as a cash advance. Earned $25 (2.5%) extra. Also did it for the savings account, total $50 bonus by funding the Regions accounts with this card - truly a great card!
You were targeted under a different pilot program. Thanks for the DP regarding credit card funding.
Off topic: Hello, DOC, remember the zero card last year that said to get a max cashback rate 3% on everything? Do you know whats going on now with it? I checked their official website but don't find anything new. I registered last year already
No word yet, will update when we know more.
Wow, if they add more states this will become the best cashback card, period. How is this not more widely known??
Re: the direct deposit requirement- am I understanding that there has to be separate $1,000 deposits every month- ie not just a one-time thing? If so I may have answered my own question- for many people, I suspect dealing with this requirement is too much of a pain for the extra 0.5% over a standard 2% card. But this also depends if the ACH will count...
Monthly ACH from Navy fed works. I'm pretty sure an ACH from any bank will work.
Personally, its the whole having to join the army part that makes this a deal breaker for me.
I confirmed it is a separate $1,000 deposit with a rep. I'm thinking that extra .5% isn't worth the hassle either. I do not have a recent enough experience with ACH to say whether it counts for DD requirements.
Also, USAA does not move credit line around. I tried to see about a product change to this card but she seemed to think the $1,000 DD had to be setup prior to that, then I got disconnected and never called back. I don't think the extra .5% will be worth it for me.
So, as a non-USAA, can I even apply?
Nope
Nice card but man its hard to get excited about 2.5%
I disagree, 2.5% base rate is nice.
CO resident, lifelong USAA member. Instant approval 25k CL.
Congrats