USAA
USAA Secured Visa® Platinum Credit Card
Key Features
| Annual Fee | $0.00 |
| Regular APR | 26.40% Variable Regular APR |
| Other Fees | Balance Transfer and Cash Advance fee is 5% of each transaction amount. There is a transaction fee of 5% of the amount of each Balance Transfer, Convenience Check and Cash Advance. 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 Secured Visa Platinum Credit Card receives an overall rating of 2.8 out of 5.0. This reflects a 'Fair' assessment, acknowledging that while the card serves a specific purpose—credit building—it has significant limitations. The card's strengths lie in its lack of an annual fee, no foreign transaction fees, and the strong reputation of USAA. These factors make it an accessible and trustworthy option for those with poor credit seeking to improve their credit score. The favorable reputation and reasonable fee structure provide some value to its users. However, the card is significantly hampered by its high APR and complete lack of rewards. The high APR makes it an expensive option if a balance is carried, which is common among those building credit. The absence of rewards means cardholders receive no direct financial benefit from their spending, a considerable drawback compared to other cards. Given its targeted audience and primary function, the lack of rewards is less critical than the high APR. Overall, it is a decent option for credit building but not competitive regarding cost or benefits.
Pros & Cons
What's great
- No annual fee
- No foreign transaction fees
- Low credit score requirement
Things to consider
- High regular APR
- No sign-up bonus
- No rewards
What this card offers
Sign-up bonuses
Rewards
Other features
- A Visa® credit card — not a prepaid or debit card
- A credit limit that could range from $250 to $5,000, backed by an interest-earning security deposit
- Credit card activity reported to three main credit bureaus
- If you use your card responsibly, you may qualify for an upgrade to an unsecured USAA Bank credit card
- No Penalty APR
- No Annual Fee
- No Foreign Transaction Fees
- 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.
Additional Notes
All credit cards subject to approval. Zero liability policy: You are not liable for unauthorized use that is reported to us. Unauthorized use means the use of a credit card by someone other than you who does not have actual, implied or apparent authority for such use and from which you do not receive a direct or indirect benefit. Certain terms, conditions and exclusions apply. Please refer to the Credit Card Benefits Guide for further details. Membership eligibility and product restrictions apply and are subject to change. USAA Bank means USAA Federal Savings Bank. Bank products offered by USAA Federal Savings Bank, Member FDIC. Credit card, mortgage and other lending products not FDIC-insured.