USAA
USAA Rate Advantage Visa® Platinum Credit Card
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | None |
| Rewards Rate | None |
| Intro APR | 0% Intro APR Annual Percentage Rate for 15 months on balance transfers and convenience checks that post to your account within 90 days of account opening, thereafter 10.40% to 24.40% variable regular APR Annual Percentage Rate will apply to introductory balances. Transaction fee of 5%. |
| Regular APR | 10.40% to 24.40% Variable Regular APR The same variable regular APR Annual Percentage Rate on purchases, balance transfers and cash advances Your Regular APR will apply to Purchases and Cash Advances immediately upon account opening Your Regular APR will vary with the market based on the Prime Rate |
| Other Fees | Balance Transfer and Cash Advance fee is 5% of each transaction amount. No Foreign Transaction Fees Transaction fee of 5%. 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 is a decent option for a specific type of user: USAA members who prioritize low interest rates and want to avoid annual fees. Its strengths lie in its competitive intro APR, potentially low ongoing APR (for well-qualified applicants), and the absence of an annual fee and foreign transaction fees. The card is also backed by the reputable USAA brand, known for its customer service. However, the complete lack of a rewards program is a significant drawback, making it less attractive to those who want to earn cash back, points, or miles on their spending. The balance transfer fee is also a negative. Given these factors, the card earns an overall rating of 3.2. It's a good choice for its target audience but lacks broader appeal due to the absence of rewards.
Pros & Cons
What's great
- No annual fee
- Intro APR period
- No foreign transaction fees
Things to consider
- High regular APR
- No sign-up bonus
- No rewards
- High balance transfer fee
What this card offers
Other features
- Pay less in interest if you carry a balance from month to month
- Rely on us — from secure logons to zero liability for unauthorized transactions
- Set up a variety of alerts on your mobile device to stay informed.
- Report a lost or stolen card online or in the app.
- Auto Rental Coverage
- Travel Accident Insurance
- Trip Cancellation and Interruption Coverage
- Baggage Delay and Reimbursement
- Access USAA customer service 24/7 online.
- Take advantage of extended warranty protection on U.S. manufacturers' warranties.
- Add your card to your phone for fast mobile payments or checkouts.
- No Penalty APR
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.