Am I eligible?
To get this card, you must also:
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...
- Brett Holzhauer, MoneyGeekThe USAA® Rate Advantage Visa Platinum® Card offers great value to those looking for a low-rate general credit card with great travel perks.
- Lance Cothern, InvestopediaThe 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...
- Brett Holzhauer, FinanceBuzzIf 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...
- Rebecca Lake, MyBankTrackerIf 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...
- SmartAssetIf 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...
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
11.4% ‐ 28.4% (Variable) This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
11.4% ‐ 28.4% (Variable) (0% for the first 15 months) This APR will vary with the market based on the Prime Rate. |
| Cash Advance Interest Rate |
11.4% ‐ 28.4% (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 |
| Suggest a correction |
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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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