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...
- Robert Thorpe, BankrateThe 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.
- Stanley Sanford, The Points GuyUnless 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...
- John S Kiernan, WalletHubIf 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.
- 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...
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 | 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 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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