Am I eligible?
To get this card, you must also:
Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
What the Critics Are Saying...
- Lance Cothern, InvestopediaThe USAA Rate Advantage Visa Platinum card is purpose-built to minimize fees and charges. The card foregoes such niceties as rewards and a one-time offer in order to keep a lid on the cost of carrying a balance, getting cash advances, and other transactions. In part, it accomplishes that goal by hav...
- Laura Cook, MoneyUnder30The USAA® Rate Advantage Visa Platinum® Card is a straightforward credit card promising to do one thing for you (and one thing very well). Keep your fees and interest low. You won’t find an annual fee, foreign transaction fees or penalty APR with this credit card.
- Brett Holzhauer, FinanceBuzzIf you’re a member of USAA looking to dip your toes into using a credit card for the first time or restore your damaged credit score, this card could be a great option. Also, if you’re someone who typically carries a balance on your credit cards or uses cash advances, this card will suit you, as the...
- Compare CardsCredit cards don't get much simpler than this. There's no fancy rewards program, but cardholders could potentially save a lot of money with the extremely low interest rates offered on this card.
- Andy Shuman, CreditCards.comThe USAA Rate Advantage Platinum Visa card has a lot going for it. It also has some excellent travel benefits, of the type usually reserved for premium cards. However, it’s biggest drawback is the lack of a 0 percent introductory offer for new and transferred balances.
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
6.9% ‐ 23.9% (Variable) This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
6.9% ‐ 23.9% (Variable) This APR will vary with the market based on the Prime Rate. |
| Cash Advance Interest Rate |
6.9% ‐ 23.9% (Variable) This APR will vary with the market based on the Prime Rate. |
| Rates & Fees | |
| Annual Fee | $0.00 |
| Balance Transfer Fee |
3% |
| Cash Advance Fee |
3% Fee waived when transferring funds electronically to a USAA deposit account. |
| Foreign Transaction Fee | $0.00 |
| Over Limit Fee | $0.00 |
| Late Payment Fee |
$35.00 Maximum |
| Promotions | |
| Sign up bonus | No |
| Rewards | |
| All Purchases | No |
| Restaurants | No |
| Gas | No |
| Groceries | No |
| Hotels | No |
| Travel | No |
| Pharmacy | No |
| Bills | No |
| Features & Benefits | |
| Additional Card Holders | Yes |
| Travel Accident Insurance | Yes |
| Car Rental Insurance | Yes |
| Car Rental Discount | No |
| Extended Warranty | Yes |
| Purchase Protection | No |
| Zero Liability | Yes |
| No Foreign Transaction Fees | Yes |
| Emergency Assistance | No |
| Concierge Service | No |
| Price Protection | No |
| Fraud Protection | Yes |
| Free Credit Scores | No |
| Wireless Payments | Apple Pay, Samsung Pay, Android Pay |
| Virtual Cards | No |
| Additional Benefits |
Baggage Delay Insurance |
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.
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Critic Reviews
Very low APR if you have strong credit, decent benefits for a no-annual-fee card
The USAA Rate Advantage Visa Platinum card is purpose-built to minimize fees and charges. The card foregoes such niceties as rewards and a one-time offer in order to keep a lid on the cost of carrying a balance, getting cash advances, and other transactions. In part, it accomplishes that goal by...More
The USAA Rate Advantage Visa Platinum card is purpose-built to minimize fees and charges. The card foregoes such niceties as rewards and a one-time offer in order to keep a lid on the cost of carrying a balance, getting cash advances, and other transactions. In part, it accomplishes that goal by having a single—and, for many customers, notably low—APR for purchases, balance transfers, and cash advances.
Possibly the lowest APR you will find
The USAA® Rate Advantage Visa Platinum® Card is a straightforward credit card promising to do one thing for you (and one thing very well). Keep your fees and interest low. You won’t find an annual fee, foreign transaction fees or penalty APR with this credit card.
The USAA® Rate Advantage Visa Platinum® Card is a straightforward credit card promising to do one thing for you (and one thing very well). Keep your fees and interest low. You won’t find an annual fee, foreign transaction fees or penalty APR with this credit card.
Rebuild your credit with no annual fee
If you’re a member of USAA looking to dip your toes into using a credit card for the first time or restore your damaged credit score, this card could be a great option. Also, if you’re someone who typically carries a balance on your credit cards or uses cash advances, this card will suit you,...More
If you’re a member of USAA looking to dip your toes into using a credit card for the first time or restore your damaged credit score, this card could be a great option. Also, if you’re someone who typically carries a balance on your credit cards or uses cash advances, this card will suit you, as the rates are much lower than other cards offered by USAA and other banks. In addition, this card is for someone who isn’t set on the amount of credit that will be extended to them. Many credit cards state that upon approval that you’re guaranteed a certain credit line. With the USAA Rate Advantage Platinum Visa Card, the credit line will be based on your income and debt.
A no-frills card with the lowest possible interest rate
Credit cards don't get much simpler than this. There's no fancy rewards program, but cardholders could potentially save a lot of money with the extremely low interest rates offered on this card.
Credit cards don't get much simpler than this. There's no fancy rewards program, but cardholders could potentially save a lot of money with the extremely low interest rates offered on this card.
Offers a low APR that is hard to beat
The USAA Rate Advantage Platinum Visa card has a lot going for it. It also has some excellent travel benefits, of the type usually reserved for premium cards. However, it’s biggest drawback is the lack of a 0 percent introductory offer for new and transferred balances.
The USAA Rate Advantage Platinum Visa card has a lot going for it. It also has some excellent travel benefits, of the type usually reserved for premium cards. However, it’s biggest drawback is the lack of a 0 percent introductory offer for new and transferred balances.
Good for military members
If you don’t use the rewards you’ve racked up on other credit cards and you resent having to pay a higher interest rate for a perk you don’t use, you may want to consider the USAA Rate Advantage Visa Platinum credit card. It’s a good low-interest-rate option for those who don’t care abo...More
If you don’t use the rewards you’ve racked up on other credit cards and you resent having to pay a higher interest rate for a perk you don’t use, you may want to consider the USAA Rate Advantage Visa Platinum credit card. It’s a good low-interest-rate option for those who don’t care about rewards and who have a great credit score — especially for military personnel.
Low regular APR, no annual fee
If you have military ties and a fair credit score, the USAA Rate Advantage Visa Platinum is a solid choice for low-cost credit improvement. And if you have good or excellent credit, it could provide a pretty low regular APR. But in any event, this offer won't wow you.
If you have military ties and a fair credit score, the USAA Rate Advantage Visa Platinum is a solid choice for low-cost credit improvement. And if you have good or excellent credit, it could provide a pretty low regular APR. But in any event, this offer won't wow you.
A solid card for military service members and their family members
USAA offers another solid card with the Rate Advantage Platinum Visa®, combining travel, identity protection, and shopping benefits with appealing finance add-ons for military service members.
USAA offers another solid card with the Rate Advantage Platinum Visa®, combining travel, identity protection, and shopping benefits with appealing finance add-ons for military service members.
Low interest credit card for military families
Best for members of the military and their families, who typically carry a balance from month to month.
Best for members of the military and their families, who typically carry a balance from month to month.
A fairly straightforward credit card
If you have a high credit score and you want to leverage that score to get a low APR for your revolving debt, the USAA Rate Advantage Platinum Visa card is a solid choice. If you don’t plan on carrying a balance from month to month, you might be better served by a USAA card that offers perks like points or cash back.
If you have a high credit score and you want to leverage that score to get a low APR for your revolving debt, the USAA Rate Advantage Platinum Visa card is a solid choice. If you don’t plan on carrying a balance from month to month, you might be better served by a USAA card that offers perks like points or cash back.