USAA Rate Advantage Visa Platinum® Card
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Card network
- Visa
- Regular purchase APR
- 11.90% to 28.90% variable based on creditworthiness and the Prime Rate
At a glance
The USAA Rate Advantage Visa Platinum® Card offers cardholders low rates on purchases, balance transfers, and cash advances. They can also take advantage of no foreign transaction fees, no annual fee, and no penalty APR. USAA is a credit union geared not only towards memerbs of the U.S. armed forces, but also to their families – making the USAA Rate Advantage Visa Platinum® a great basic rewards card for a wide-ranging group of individuals.
Our review of the USAA Rate Advantage Visa Platinum® Card
The USAA Rate Advantage Visa Platinum® Card is a top choice for those seeking a low APR credit card. With one of the lowest APRs on the market, this card offers exceptional value for cardholders looking to save on interest charges.
An Exceptionally Low APR
If you’re looking for low rates on purchases, balance transfers, and cash advances, the USAA Rate Advantage Visa Platinum® Card delivers. With interest rates currently hovering just below seven percent, this card is ideal for those with excellent credit scores.
However, those with good credit may not qualify for the lowest rates and could end up with higher APRs in the mid-20s. In this case, there are better options available from other major banks.
Other Card Features
In addition to its low APR, the Rate Advantage Visa Platinum offers several valuable features. Cardholders won’t have to worry about annual fees, foreign transaction fees, penalty APRs, or over-the-credit-limit fees. Plus, the card comes with standard Visa benefits such as Roadside Dispatch, Auto Rental Collision Damage Waiver, and Zero Fraud Liability.
Should You Apply for the USAA Rate Advantage Visa Platinum® Card?
Overall, the USAA Rate Advantage Visa Platinum® Card is a great choice for those with excellent credit looking for a low APR credit card. While it may not offer 0% intro APR periods, the low ongoing interest rates make it a solid option for those who plan to carry a balance.
For those interested in introductory APR offers, other cards like the Chase Slate Edge, CitiSimplicity® Card, and Citi® Diamond Preferred® Card may be better suited.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Pay no foreign transaction fees when you travel outside the U.S.
- Get free collision damage waiver coverage to pay for physical damage and theft to most vehicle rentals
- Extend your manufacturer's or U.S. store-brand warranties
- No annual fee
Who this card may suit
- You're in the U.S. military or are related to someone in the U.S. military
- You want low rates for purchases, balance transfers, or cash advances
- You want no annual fee
- You want no foreign transaction fees
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 11.90% to 28.90% variable based on creditworthiness and the Prime Rate |
| Intro Balance Transfer APR | 0% Introductory APR through your 02/01/2024 billing cycle |
| Balance Transfer APR | 11.90% to 28.90% variable based on creditworthiness and the Prime Rate |
| Balance Transfer Transaction Fee | 3% of the amount of each transfer |
| Cash Advance APR | 11.90% to 28.90% variable based on creditworthiness and the Prime Rate |
| Cash Advance Transaction Fee | 3% of the amount of each cash advance. Fee waived when transferring funds electronically to a USAA deposit account |
| Late Payment Penalty Fee | Up to $35 |
| Return Payment Penalty Fee | Up to $35 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.
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USAA Rate Advantage Visa Platinum® Card
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