USAA Rate Advantage Visa Platinum® Card review

Compare Compare  
Advertiser Disclosure

Interest Rate: Purchases
6.9% ‐ 23.9% (Variable)
Balance Transfer
6.9% ‐ 23.9% (Variable)
Rewards
-
Signup Bonus
-


7/10
Informr score
The USAA Rate Advantage Visa Platinum® Card currently has an Informr score of 7 out of 10. This score is based on our evaluation of 12 sources including reviews from users and the web's most trusted critics.

Am I eligible?


USAA Rate Advantage Visa Platinum® Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

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...


Investopedia

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 hav...

- Lance Cothern, Investopedia
MoneyUnder30

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.

- Laura Cook, MoneyUnder30
FinanceBuzz

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...

- Brett Holzhauer, FinanceBuzz
Compare Cards

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.

- Compare Cards
CreditCards.com

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.

- Andy Shuman, CreditCards.com

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

Disclaimer: All products, logos, images and trademarks are the property of their respective owners. Content is not provided or commissioned by any company mentioned. Any views, analyses, or recommendations expressed here are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any company mentioned.

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.

The Informr is an independent, advertising supported website and may receive compensation for sponsorships or when you click on certain affiliated links.

Use this card?

Help inform others by sharing your experience with USAA Rate Advantage Visa Platinum® Card

Rate It:

Critic Reviews


Investopedia

Very low APR if you have strong credit, decent benefits for a no-annual-fee card

from Investopedia

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.

Read full review

Less

MoneyUnder30

Possibly the lowest APR you will find

from MoneyUnder30

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.

Read full review

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.

Read full review

Less

FinanceBuzz

Rebuild your credit with no annual fee

from FinanceBuzz

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.

Read full review

Less

Compare Cards

A no-frills card with the lowest possible interest rate

Compare Cards

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.

Read full review

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.

Read full review

Less

CreditCards.com

Offers a low APR that is hard to beat

from CreditCards.com

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.

Read full review

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.

Read full review

Less

LendEDU

Good for military members

from LendEDU

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.

Read full review

Less

WalletHub

Low regular APR, no annual fee

from WalletHub

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.

Read full review

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.

Read full review

Less

Finder

A solid card for military service members and their family members

from Finder

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. 

Read full review

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. 

Read full review

Less

Wise Bread

Low interest credit card for military families

from Wise Bread

Best for members of the military and their families, who typically carry a balance from month to month.

Read full review

Best for members of the military and their families, who typically carry a balance from month to month.

Read full review

Less

SmartAsset

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.

Read full review

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.

Read full review

Less

User Reviews


Darn, there are no reviews yet for this credit card. Be the first to write a review.