Although I'm not a big fan of credit cards in general, USAA offers a great deal. They pay cash back rewards which has been a real help at times when we've been short on a payment. They also just lowered our interest rate yesterday after we asked them to. It wasn't that bad in the first place, but they dropped it by two points to 8.9 percent. We use a lot of the USAA services including banking, insurance and loans and I have to say they are a great business for being so big. I can get a live person quickly on the phone just by saying the word "representative" to the voice activated answering… read full review »