Review
USAA Rate Advantage Visa® Platinum Credit Card Review: Low APR for Debt Management
Looking to ditch high interest rates? Our review breaks down how the USAA Rate Advantage Visa® Platinum Credit Card can help you manage debt with its intro APR and practical features.
| Annual Fee | $0.00 |
| 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 |
| 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%. |
| Other Fees | Transaction fee of 5%. Balance Transfer and Cash Advance fee is 5% of each transaction amount. |
Overview
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
- Balance transfer fee
Benefits
Drawbacks
Decision Guidance
Summary
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 AP...