Review
USAA Rate Advantage Visa® Platinum Credit Card Review: Long 0% APR for Debt Consolidation
The USAA Rate Advantage Visa® Platinum Credit Card offers an exceptionally long 0% intro APR on balance transfers, giving you until March 2028 to pay down debt interest-free. Discover if this specialized card is your ideal debt consolidation tool.
| 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. |
Overview
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
Benefits
Drawbacks
Decision Guidance
Summary
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 co...