If I use USAA Debit Card to pay USAA Credit Card do I get extra points?
With a USAA credit card I can get 1 point for every $1 spent. With a USAA debit card I get 1 point for every $2 spent. So lets say I spend $100 on my credit card and then pay that $100 bill with my debit card, will I get 150 points?
Comments
You are not able to pay a USAA credit card using any other kind of card. Payments can only be made via check or electronic payment from a checking, savings, or moneymarket account with check writing priveleges. No way to double up
I DO however get to pay my rent with no fee for using a card so i pay with my credit card instead of the debit card since it gets points faster, then pay my credit card right back from my checking.
Since I have a USAA credit card please take my comments as probably more accurate than the other answerers. The answers I've read here so far make several assumptions that aren't true about a USAA credit card With the USAA credit card, payments made online must be made before a cutoff time on a business day to count for that day. I don't know the exact time but if you make the payment in the morning you're usually fine. Scheduling your payment 1 business day late will be fine. You might get a late fee ($29) but if you call and ask and explain that you didn't know there was a cutoff time/etc they'll probably refund it. You'll need to wait until it shows up on your account to ask for a refund. You can set up automatic payments to come out the night of your military pay. Remember with usaa you get paid a day early so you can schedule your payment for 12/31 and it will come out at midnight right after your direct deposit credits. The last thing, and I love this (not that I've had to use it), USAA doesn't report a late payment until you are 60 days overdo. Don't sweat it
they'll take the best care of you and your family for ever and ever. *edit: USAA doesn't "jack up your interest rate" unless you are 60 days past due. And even then, it will go back down when you are caught up for 2 months after that.
Just use the USAA credit card and pay it off every month. I don't know why you can't pay it, your debit card is tied into your checking/savings account correct? Just set up an automatic payment out of the checking or savings account to pay the balance in full every month.
Ok. on the credit card you are earning 1% interest.
By using the debit cards you are earning 0.5% interest.
Is it really worth all the hassle to do this to get a measly $1.50?
If so, go for it. Make sure they don't charge fees for this.
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$ 100? Lol