USAA Rate Advantage Visa Platinum Card review

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Advertiser Disclosure

Interest Rate: Purchases
8.9 ‐ 25.9%
Balance Transfer
8.9 ‐ 25.9%
Rewards
-
Signup Bonus
-


6/10
Informr score
The USAA Rate Advantage Visa Platinum Card currently has an Informr score of 6 out of 10. This score is based on our evaluation of 8 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...


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
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.

- John S Kiernan, WalletHub
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. 

- Finder team, Finder
MoneyUnder30

You won’t get the rewards points like you will from the Cashback Rewards card, however you’ll receive the lowest APR around, enjoy some great benefits like travel and shopping perks, and appreciate the lack of fees including no annual, foreign transaction, or over the limit fees and no APR penalties...

- Laura Cook, MoneyUnder30
Wise Bread

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

- Christina Majaski, Wise Bread

Details


Interest Rates
Regular APR Interest Rate 8.9% ‐ 25.9%

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 8.9% ‐ 25.9%

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 8.9% ‐ 25.9%

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 3%

Maximum of $200

Cash Advance Fee 3%

Maximum of $200

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 Yes
Fraud Protection Yes
Free Credit Scores No
Wireless Payments Apple Pay, Samsung Pay, Android Pay
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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Critic Reviews


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

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

MoneyUnder30

Possibly the lowest APR you will find

from MoneyUnder30

You won’t get the rewards points like you will from the Cashback Rewards card, however you’ll receive the lowest APR around, enjoy some great benefits like travel and shopping perks, and appreciate the lack of fees including no annual, foreign transaction, or over the limit fees and no APR penalties on missed payments.

Read full review

You won’t get the rewards points like you will from the Cashback Rewards card, however you’ll receive the lowest APR around, enjoy some great benefits like travel and shopping perks, and appreciate the lack of fees including no annual, foreign transaction, or over the limit fees and no APR penalties on missed payments.

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

Bankrate

Plain-vanilla card with an outstanding APR for some

from Bankrate

For those who qualify, the USAA Rate Advantage Platinum Visa offers one of the lowest variable annual percentage rates of any major issuer in the U.S., and it’s the lowest of any USAA card. The less money you’re paying on interest, the more you have to pay toward your balance.

Read full review

For those who qualify, the USAA Rate Advantage Platinum Visa offers one of the lowest variable annual percentage rates of any major issuer in the U.S., and it’s the lowest of any USAA card. The less money you’re paying on interest, the more you have to pay toward your balance.

Read full review

Less

MyBankTracker

Designed for people who want to avoid paying big bucks in interest.

from MyBankTracker

The USAA Rate Advantage Visa Platinum Card lives up to its name where the interest rate is concerned. This card has a regular variable APR range for purchases, balance transfers and cash advances that’s highly competitive.

Read full review

The USAA Rate Advantage Visa Platinum Card lives up to its name where the interest rate is concerned. This card has a regular variable APR range for purchases, balance transfers and cash advances that’s highly competitive.

Read full review

Less

User Reviews


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