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USAA Rate Advantage Visa Platinum® Card review

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Advertiser Disclosure

Annual Fee
$0.00
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)
Rewards
-
Rewards
-
Signup Bonus
-
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 14 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...


MoneyGeek
MoneyGeek

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
Investopedia
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
FinanceBuzz
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
MyBankTracker
MyBankTracker

If you’re more focused on getting a better APR than earning rewards, the USAA Rate Advantage Visa Platinum Card doesn’t disappoint. Just remember that you’ll need an outstanding credit score to get the best deal. For someone whose score is in fair or poor credit territory, it may not be that valuabl...

- Rebecca Lake, MyBankTracker
SmartAsset
SmartAsset

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 Visa Platinum 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 po...

- SmartAsset

Details


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 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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