Note: We may earn commissions (at no cost to you) if you buy through links on our site. Learn more.

USAA Rate Advantage Visa Platinum® Card review

Compare Compare  
Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
12.15% ‐ 29.15% (Variable)
Interest Rate: Purchases
12.15% ‐ 29.15% (Variable)
Balance Transfer
12.15% ‐ 29.15% (Variable) (0% for the first 15 months)
Balance Transfer
12.15% ‐ 29.15% (Variable) (0% for the first 15 months)
Signup Bonus
Signup Bonus

Informr score
The USAA Rate Advantage Visa Platinum® Card currently has an Informr score of 6.6 out of 10. This score is based on our evaluation of 15 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...


The low end of this card’s variable APR range makes it a great low-interest credit card. But it doesn’t offer rewards and is not widely available to the public. And even if you qualify for the card, you may end up with a higher interest rate than some credit cards that offer rewards.

- Robert Thorpe, Bankrate
The Points Guy
The Points Guy

Unless you're a member of the military (or a family member of someone who serves) who has lots of outstanding credit card debt, the USAA Rate Advantage Visa Platinum likely won't be a fit for your wallet. Even if you are, there are plenty of other options for consolidating debt that can also earn yo...

- Stanley Sanford, The Points Guy

If you have military ties and a fair credit score, the USAA Rate Advantage Visa® Platinum Credit 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

The USAA® Rate Advantage Visa Platinum® Card offers great value to those looking for a low-rate general credit card with great travel perks.

- Brett Holzhauer, MoneyGeek

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


Interest Rates
Regular APR Interest Rate 12.15% ‐ 29.15% (Variable)

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

Balance Transfer Interest Rate 12.15% ‐ 29.15% (Variable) (0% for the first 15 months)

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

Cash Advance Interest Rate 12.15% ‐ 29.15% (Variable)

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

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 5%
Cash Advance Fee 5%

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


Sign up bonus No
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

Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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: