USAA Secured Visa® Platinum Credit Card
- Annual fee
- None
- Recommended credit
- Poor / No Credit Required
- Card network
- Visa
- Regular purchase APR
- 27.9% variable based on the Prime Rate
At a glance
The USAA Secured Visa Platinum can help you establish a positive credit history with regular payments and responsible use. There are no foreign transactions or annual fees for members.
Our review of the USAA Secured Visa® Platinum Credit Card
If you’re looking for a credit card that can help you build your credit without hidden fees, the USAA Secured Visa® Platinum credit card is a great option. This card is similar to the USAA Secured American Express® Credit Card, with the main difference being the payment network (Visa vs. American Express).
Pre-Qualify Before You Apply
One unique feature of the USAA Secured Visa® Platinum credit card is that you can pre-qualify before applying. This can help you avoid a negative credit impact from a “hard inquiry” if your application is rejected.
Build Credit with No Annual Fee
Unlike many secured credit cards, the USAA Secured Visa® Platinum credit card has no annual fee. This means you can use the card to build your credit without worrying about extra costs.
Set Your Credit Limits
To open a USAA-secured account, you’ll need to make a deposit ranging from $250 to $5,000. This deposit is standard for secured cards and can help you establish a healthy credit history.
Secured Card Comparison
Here’s how the USAA Secured Visa® Platinum credit card compares to the OpenSky credit cards from Capital Bank:
- USAA Secured Visa® Platinum credit card:
- Annual fee: None
- Min. deposit: $250
- Credit check: Yes
- OpenSky® Plus:
- Annual fee: None
- Min. deposit: $200
- Credit check: No
- OpenSky® Visa®:
- Annual fee: $35
- Min. deposit: $200
- Credit check: No
Building Credit Made Easy
The USAA Secured Visa® Platinum credit card is a powerful credit-building tool. By making purchases and paying them back on time, you can improve your credit score. USAA reports your payments to major credit bureaus, helping you establish a positive credit history.
Online Account Management Tools
USAA offer convenient online account management tools, including a mobile app for easy bill payments and 24/7 customer service. The card is also compatible with digital wallets for fast mobile payments.
USAA Member Discounts
USAA members can enjoy exclusive discounts on vehicle purchases, car rentals, travel bookings, and shopping. These perks are only available to USAA members.
Should You Apply for the USAA Secured Visa® Platinum Card?
The USAA Secured Visa® Platinum credit card is a solid option for USAA members looking to build credit without annual fees. While it doesn’t offer rewards or upgrade opportunities like some other secured cards, it provides a reliable platform for establishing a positive credit history. If you’re still unsure, check out our guide to the Easiest Credit Cards to Get with Bad Credit for more options.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- No annual fee
- No foreign transaction fees
- Build credit with on time payments and responsible use
- Visa Platinum protections, including Zero Fraud Liability
Who this card may suit
- You qualify for USAA membership
- Your credit history is damaged or non-existent
- You do't want to pay an annual fee
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 27.9% variable based on the Prime Rate |
| Balance Transfer APR | 27.9% variable based on the Prime Rate |
| Balance Transfer Transaction Fee | 3% of the amount of each Balance Transfer. |
| Cash Advance APR | 27.9% variable based on 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 |
| Minimum Deposit Required | $250 |
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: Poor Credit Limited or No Credit.
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USAA Secured Visa® Platinum Credit Card
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