USAA
USAA Rate Advantage Visa® Platinum Credit Card
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | No signup bonus offered. |
| Rewards Rate | No rewards program offered. |
| Intro APR | Get a 0% Intro APR through your March 2028 billing cycle on balance transfers and convenience checks that post to your account by November 30, 2026. After your March 2028 billing cycle, the variable regular APR of 10.40% to 24.40% will apply to these introductory balances. There is a fee of 5% of the amount of each balance transfer and convenience check from account opening. |
| Regular APR | 10.40% to 24.40% Variable Regular APR Pay the same variable regular APR on purchases, balance transfers and cash advances. |
| Other Fees | Balance Transfer and Cash Advance fee is 5% of each transaction amount.see note 3 There is a fee of 5% of the amount of each balance transfer and convenience check from account opening. There is a transaction fee of 5% of the amount of each Balance Transfer, Convenience Check and Cash Advance from Account opening. The Cash Advance fee is waived when you transfer funds electronically from your USAA credit card to your USAA Bank deposit account. |
| Network | Visa |
About this card
The USAA Rate Advantage Visa® Platinum Credit Card earns a solid 3.4 out of 5.0, positioning it as a good option primarily for USAA members who prioritize minimizing borrowing costs over earning rewards. Its core strength lies in its exceptionally competitive APR structure: an outstanding 0% introductory APR on balance transfers for an extended period through March 2028, combined with a potentially very low ongoing variable APR (starting at 10.40% for well-qualified applicants). This makes it an excellent tool for debt consolidation or for those who occasionally carry a balance. The card also excels in its fee structure, boasting no annual fee, no foreign transaction fees, and notably, no penalty APR, which significantly enhances its value proposition. However, the card's complete absence of a rewards program and sign-up bonus is its most significant drawback, making it unsuitable for consumers who want to earn cash back, points, or miles on their everyday spending. While the 5% balance transfer fee is on the higher side, it's a trade-off for the lengthy interest-free period. The USAA brand adds a layer of trust and reliability, although recent sentiments about customer service are mixed. In conclusion, for its specific target audience – USAA members focused purely on low-cost borrowing – this card performs very well. For a broader consumer base, the lack of rewards prevents it from achieving a higher rating, leading to a 'Good' overall assessment.
Pros & Cons
What's great
- No annual fee
- Intro APR period
- No foreign transaction fees
- Travel and purchase protection benefits
Things to consider
- No rewards
- No sign-up bonus
- High regular APR
- High balance transfer fee
What this card offers
Other features
- NoPenalty APR
- No Foreign Transaction Fees
- Auto deductible reimbursementsee note 4
- Cell phone protectionsee note 5
- Trip cancellation and interruptionsee note 5
- Purchase securitysee note 5
- Auto rental collision damage waiversee note 5
- Extended warranty protectionsee note 5
- Available with: Apple Pay, Google Pay, Samsung Pay
Additional Notes
Important information: If you transfer a balance or write a convenience check to take advantage of the introductory rate offer, you will immediately incur interest on purchases until you pay your balance in full, including any transferred balances.see note 2 Not available in WA State If you apply for a USAA Visa Signature Credit Card and are approved for a credit limit less than $3,000 you'll automatically be issued a USAA Visa® Platinum Credit Card with the same terms and fees. This is not applicable to the USAA Eagle Navigator® Visa Signature® Credit Card.