USAA Rate Advantage Visa Platinum® Card review

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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...


WalletHub

If you have military ties and a good credit score, the USAA® Rate Advantage Visa Platinum® Card 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.

- John S Kiernan, WalletHub
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

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, Google 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
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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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