Paying your bills is an essential task, but it can also be a real headache each month. However, using your USAA credit card to pay bills makes the process much simpler. USAA offers a highly convenient bill pay service that allows you to pay all your bills, from utilities to credit cards, in one place quickly and securely.
In this comprehensive guide, we’ll explain everything you need to know about paying bills through USAA, from set up to payment options. Read on to streamline your monthly bills!
Overview of Paying Bills with a USAA Credit Card
USAA provides an online bill pay system that members can use to pay a wide variety of bills and merchants. To start paying bills with your USAA credit card
- Set up bill pay through your USAA online account
- Add billers by searching names or adding details manually
- Select payment date and amount for each bill
Funds are deducted from your chosen USAA credit card, A major perk is earning rewards points on your card for every bill paid!
How Do I Start Paying Bills Through USAA?
Setting up USAA bill pay is simple and can be done through the USAA website or mobile app in a few quick steps:
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Access your USAA account and navigate to the Bill Pay tab
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Click “Pay a Company” to add your first biller
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Search for the company name or add it manually
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Enter your account number with that provider
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Pick a nickname for that biller
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Select the USAA card to pay that bill
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Confirm the enrollment
Repeat steps 2-7 to add all your monthly billers. Once set up, you can start scheduling one-time or recurring payments.
What Bills and Companies Can I Pay Through USAA?
The USAA bill pay service allows you to pay almost any company or monthly bill quickly through a single dashboard, including:
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Utility bills – electricity, water, gas, cable, etc.
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Insurance bills – auto, medical, home, life
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Telecommunications – phone, internet, cell phone
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Government fees – taxes, vehicle registration
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Credit cards – USAA or other issuer
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Retail bills – department stores, online shopping
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Mortgage and rent
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Auto and student loans
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Gym memberships, subscriptions
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Charities and tithes
Basically, any company or merchant that sends you a monthly bill can be paid through USAA bill pay.
What Is the Best USAA Credit Card for Paying Bills?
The best USAA card for paying your monthly bills depends on your spending habits and financial priorities:
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USAA Cashback Rewards Plus: Earn 5% cash back on bills in top spend categories each quarter.
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USAA Preferred Cash Rewards: Unlimited 1.5% cash back on all bills paid.
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USAA Rate Advantage: Low APR helps save on interest if carrying a balance.
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USAA Rewards: Earn 2X points per $1 spent on bills to maximize rewards.
Consider getting a new USAA credit card if your current one is not optimal for paying bills and earning rewards.
How Do I Schedule USAA Bill Payments?
Scheduling one-time or recurring bill payments through USAA is very simple:
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Access your Bill Pay dashboard
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Select the biller from the list
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Enter the payment amount
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Pick a send date (current, future, or recurring)
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Select the USAA card to debit funds from
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Review and submit the payment
For recurring payments, choose the frequency (e.g. monthly) and whether to pay the full balance or fixed amount each time.
What’s the Easiest Way to Pay USAA Credit Card Bills?
You can quickly pay your USAA credit card statements through the Bill Pay platform as well:
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Add your USAA credit card as a biller
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Enter your card account number
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Set up automatic monthly payments for the statement balance
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Select the USAA card to transfer funds from
Your credit card bill will be paid on the due date without you having to do anything! You can always opt to pay a custom amount if you wish.
When Will a USAA Bill Payment Post?
Most bill payments made through USAA are delivered to the biller within 1-2 business days. However, you control the specific payment date:
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Send today: Processed ASAP
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Send on future date: Arrives by 8pm on date picked
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Recurring payment: Received by due date you select
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Expedited: Sent same day for urgent payment
Knowing when the payment will post helps avoid late fees and ensures services stay active.
Can I Pay Bills with USAA on Weekends and Holidays?
Yes, you can schedule USAA bill payments 24/7. Payments set up on weekends or holidays will be processed the next business day.
So even if you forget to pay a bill until the last minute, you can submit the payment anytime through USAA for delivery by the due date. This flexibility makes managing bills simple.
How Much Does It Cost to Pay Bills with USAA?
The good news is USAA offers 100% free standard bill payments. You’ll never incur a fee for paying bills through USAA Bill Pay.
There are also no transaction fees when debiting a linked USAA credit card. This helps maximize rewards earned on your monthly bills.
The only potential fees are for expedited same day payments or overnight check delivery. But standard 5-7 day electronic payments are free.
Can I Set Bill Payment Alerts and Reminders?
Yes, setting up bill payment alerts through USAA is easy:
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Go to your Profile > Communications Center
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Select Notifications > Payments & Transfers
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Pick the alerts you want (payment scheduled, payment sent, etc.)
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Choose email or text message for the alerts
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Review and confirm your selections
The alerts act as reminders and confirmation your payments went through successfully. Customize as needed.
How Do I Know if a USAA Bill Payment Was Successful?
Check for a bill payment confirmation using:
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Email receipt: Sent for each completed payment
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Text alerts: Optional texts when payments sent
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Transaction history: Details every payment made
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Biller report: Shows if funds delivered
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Account balances: Payment amount deducted
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Biller confirmation: Check with company directly
Monitoring payment status ensures all bills are paid accurately and on time!
Can I Edit or Cancel a Scheduled USAA Bill Payment?
Yes, you have control over scheduled bill payments through USAA:
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One-time payment: Can edit or cancel up until 8pm send date
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Recurring payment: Cancel at any time
To make changes:
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Go to Bill Pay and select the payment
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Pick Edit or Cancel Payment
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Follow prompts to adjust or stop the payment
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Confirm the changes
Catching errors early prevents incorrect or unwanted payments from posting.
How Do I Handle Failed USAA Bill Payments?
If a bill payment fails, you will see the details under Transaction History in your Bill Pay dashboard. Some reasons a payment may fail include:
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Insufficient funds in linked card
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Inaccurate or invalid account number
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Attempting to pay a blocked merchant
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System or technical error
If this happens, simply edit and reschedule the payment ASAP. Update any account details needed to ensure successful processing on the second attempt.
Is Paying Bills with USAA Safe and Secure?
Yes, USAA utilizes top security measures to keep your bill payments safe:
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Encrypted login with two-factor authentication
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No account details saved in bill pay system
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Payments only initiated by account holder
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Fraud monitoring on transactions
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Zero liability protection with credit card payments
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Securehttps site and banking network
You can pay all your bills with total peace of mind!
Can I Get USAA Bill Pay Support 24/7?
As a USAA member, you have access to customer service agents 24 hours a day for bill pay support:
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Online: Chat with an agent in member website
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Email: Email for assistance directly from Bill Pay
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Phone: Call anytime toll-free
Agents can help with set up, managing payments, troubleshooting issues, and any other bill pay needs. Don’t hesitate to reach out!
Is Paying Bills with USAA Right for Me?
If you want a fast, simple way to pay all your monthly bills in minutes from anywhere, USAA Bill Pay is likely a great fit. The key benefits include:
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Consolidated dashboard for all bills
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Schedule one-time or recurring payments
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Make last minute weekend/holiday payments
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Earn rewards on bills
Spread out your payment.
Need more than a month to catch up? First, you’ll need to let us know how much of the current bill you can pay. Then, if you qualify, we’ll spread the remaining balance over your next three bills.
How USAA bills you for auto and property policies
You’ll get one bill for all your USAA auto and property policies. If your mortgage company pays your homeowners insurance, we’ll bill them. You’ll get separate bills for your other insurance agency policies, like flood and windstorm.
If you haven’t paid your premium in full, you’ll get a bill every month with your minimum amount due. Get your bills faster when you sign up for online documents.
We automatically renew most policies. If your policy premium changes at renewal, your amount due could also change. View renewal packets and bills in My Documents.
You can pay your premium in full or pay the minimum amount due each month. If you pay more than the minimum, it’ll lower your next bill.
- Online in your Insurance Bill
- The USAA Mobile App
- Pay by phone
- By mail: 9800 Fredericksburg Road, San Antonio, TX 78288-0001
- Through another bank’s online bill pay
You can make your payment using a credit card, debit card, bank account or check. We don’t accept cash payments.
Choose the account you want to pay from, your payment date and if you want to pay your balance in full, monthly or twice a month when you set up an automatic payment plan, or APP. Then, you can sign up for alerts and we’ll remind you five days before your due date.
USAA Credit Card Tier List (2023) Worst to Best
FAQ
What is the phone number for USAA credit card payment?
Does USAA charge for bill pay?
What is the grace period for USAA credit card payments?
Does USAA offer cashback?
USAA offers both cashback and rewards credit cards. Cashback is earned as a percentage of the Qualifying Purchase amount. For example, if your card offers 1% cash back on a $150 purchase, you could earn $1.50 in cash back. With rewards cards, the number of rewards points earned is based on the dollar amount spent on each Qualifying Purchase.
How do I pay a USAA credit card bill online?
To pay a USAA credit card bill online, log in to your online account and click on “Pay Bills.” Then, choose how much to pay, when to pay it, and where the payment is coming from. USAA does allow cardholders to set up automatic payments, too. Online. Log in to your online account and click on “Pay Bills.” By phone.
Can I pay my USAA bill with a checking account?
For USAA bills, you can pay your bill with any checking or savings account. You can also use MasterCard®, Visa® or American Express® to pay your auto and property bill. Non-USAA bills must be paid with a USAA checking account. How do I add a non-USAA payment account to pay eligible USAA bills?
When can I submit payments to USAA bills?
You can submit payments to USAA bills based on the following: USAA credit cards and consumer loan payments before 11:59 p.m. CT each day will post that day. Home Equity Line of Credit (HELOC) payments before 5 p.m. CT, Monday to Friday, will post the same business day.