Features

There aren't a lot of bells and whistles associated with the USAA Rate Advantage MasterCard, but that doesn't mean that there are no benefits associated with it. Military personnel, veterans and their eligible family members who qualify for the lowest APRs can reap significant savings with the USAA Rate Advantage MasterCard. There are also a minimum of fees associated with this card.

Who Is the USAA Rate Advantage MasterCard For?

Although the USAA Rate Advantage MasterCard is limited to military personnel, veterans and their families, it is a regular consumer credit card. It is not intended for students. Likewise, it is not intended for use by business related expenses.

Are There Annual Fees?

There are no annual fees.

Does the USAA Rate Advantage MasterCard Offer Rewards?

The USAA Rate Advantage MasterCard website bills the card as “no frills,” and in one sense, that's true. There are no formal rewards programs associated with the card. No miles, cash back or points. But the card offers significant benefits, including collision damage waiver coverage for rental cars, zero liability for fraudulent transactions made with lost or stolen credit cards, assistance with dealing with identity theft, extended warranty on purchases and travel accident insurance.

Are There Foreign Transaction Fees?

Foreign transaction fees total 1 percent on relevant transactions, payable in US Dollars.

Are There Late Payment or Other Penalty Fees?

Late payments and returned payments are subject to a fee of 35 each. Cash advances and balance transfers are charged 3 percent of the total transaction. Total cash advance fees or fees for convenience checks are limited to a maximum of 200 dollars. Cash advance fees are waived when funds are electronically transferred into a USAA deposit account. There are no over limit fees or penalty APRs.

Summary

The USAA Rate Advantage MasterCard is best suited for individuals who carry balances on their credit cards and who qualify for the lowest APRs. Especially when combined with the limited fees and benefits associated with the card, the USAA Rate Advantage Master Card is a great deal for those types of consumers. But consumers looking for splashy rewards packages will be disappointed with this card.

  • Card Type
    Balance Transfer Rewards
  • Customer Type
    Personal
  • Card Network
    Mastercard
  • Co-signing Allowed
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Free FICO Score
  • Lost Luggage Insurance
  • Travel Insurance
  • Air Miles
  • Cashback
  • Points
  • Purchases APR
    6.9% - %
  • Balance Transfer APR
    6.9%% - %

Personal Credit Cards Products From USAA

js-table-filter bizname-usaa-rewards-visa-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
10.15
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1922

  • Cashback
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 10.15%
Balance Transfer APR 10.15%
076
js-table-filter bizname-usaa-rate-advantage-mastercard
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
6.9
js-table-filter no-annual-fee-238
js-table-filter card-type-11
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 6.9%
Balance Transfer APR 6.9%%
140
js-table-filter bizname-usaa-cash-rewards-american-express-card
0
js-table-filter ccard-type-222
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
js-table-filter gas-139
js-table-filter groceries-141
12.15
js-table-filter no-annual-fee-238
js-table-filter card-type-9
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1922

  • Cashback
  • Every Purchase
  • Gas
  • Groceries
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Cash Back
Card Type Balance Transfer
Card Type Rewards
Purchases APR 12.15%
Balance Transfer APR 12.15%
072
js-table-filter bizname-usaa-rewards-american-express-card
0
js-table-filter ccard-type-222
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
js-table-filter gas-139
js-table-filter groceries-141
10.15
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-9
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1850

  • Cashback
  • Every Purchase
  • Gas
  • Groceries
  • No Annual Fee
  • 0% Introductory APR
  • No Foreign Transaction Fee
Card Type Cash Back
Card Type Balance Transfer
Card Type Rewards
Purchases APR 10.15%
Balance Transfer APR 10.15%
078
js-table-filter bizname-usaa-rewards-world-mastercard
js-table-filter airlines-140
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter every-purchase-138
js-table-filter points-137
11.15
js-table-filter travel-143
0
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-11
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1922

  • Airlines
  • Every Purchase
  • Points
  • Travel
  • No Annual Fee
  • 0% Introductory APR
  • No Foreign Transaction Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 11.15%
Balance Transfer APR 11.15%
Intro APR period (months) 12
073
js-table-filter bizname-usaa-cash-rewards-visa-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
10.15
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1922

  • Cashback
  • Every Purchase
  • No Annual Fee
  • 0% Introductory APR
Card Type Balance Transfer
Card Type Rewards
Purchases APR 10.15%
Balance Transfer APR 10.15% to 26.15%%
006
js-table-filter bizname-usaa-cash-rewards-world-mastercard
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
9.9
js-table-filter no-annual-fee-238
js-table-filter card-type-11
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1922

  • Cashback
  • Every Purchase
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 9.9%
Balance Transfer APR 9.9%%
006
js-table-filter bizname-usaa-secured-platinum-american-express-card
35
js-table-filter ccard-type-137
js-table-filter ccard-type-138
10.15
js-table-filter card-type-9
js-table-filter credit-required-113
js-table-filter credit-required-114

Est. 1922

Annual Fee $35
Card Type Balance Transfer
Card Type Secured
Purchases APR 10.15%
Balance Transfer APR 10.15%-20.15% APR%
006
js-table-filter bizname-usaa-secured-card-platinum-mastercard
35
js-table-filter ccard-type-139
9.9
js-table-filter card-type-11
js-table-filter credit-required-132
js-table-filter credit-required-113

Est. 1922

Annual Fee $35
Card Type Low APR
Purchases APR 9.9%
Balance Transfer APR 9.90% to 19.90%%
006
js-table-filter bizname-usaa-rewards-american-express
js-table-filter ccard-type-136
js-table-filter every-purchase-138
js-table-filter gas-139
js-table-filter points-137
10.15
js-table-filter no-annual-fee-238
js-table-filter card-type-9
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1922

  • Every Purchase
  • Gas
  • Points
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Rewards
Purchases APR 10.15%
Balance Transfer APR 10.15% to 26.15%%
006
js-table-filter bizname-usaa-military-affiliate-cards
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter every-purchase-138
js-table-filter points-137
11.15
js-table-filter no-annual-fee-238
js-table-filter card-type-9
js-table-filter card-type-11
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1922

  • Every Purchase
  • Points
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 11.15%
Balance Transfer APR 11.15% to 26.15 APR%
006
js-table-filter bizname-usaa-preferred-cash-rewards-visa-signature-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
12.15
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1922

  • Cashback
  • Every Purchase
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 12.15%
Balance Transfer APR 12.15% to 26.15% APR%
006
js-table-filter bizname-usaa-classic-visa-platinum
0
18.15
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1922

  • No Annual Fee
  • No Foreign Transaction Fee
Purchases APR 18.15%
006
js-table-filter bizname-usaa-classic-american-express
18.15
js-table-filter no-annual-fee-238
js-table-filter card-type-9
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1922

  • No Annual Fee
  • No Foreign Transaction Fee
Purchases APR 18.15%
006
js-table-filter bizname-usaa-active-military-mastercard
0
js-table-filter cashback-135
js-table-filter every-purchase-138
js-table-filter points-137
10.15
js-table-filter no-annual-fee-238
js-table-filter no-foreign-currency-transaction-fee-237

Est. 1922

  • Cashback
  • Every Purchase
  • Points
  • No Annual Fee
  • No Foreign Transaction Fee
Purchases APR 10.15%
Balance Transfer APR 10.15%
000
js-table-filter bizname-usaa-cash-rewards-visa-signature
0
js-table-filter ccard-type-139
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
10.15
js-table-filter no-annual-fee-238
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1922

  • Cashback
  • Every Purchase
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Low APR
Card Type Rewards
Purchases APR 10.15%
Balance Transfer APR 10.15% to 26.15% APR%
006
js-table-filter bizname-usaa-rate-advantage-platinum-visa
js-table-filter ccard-type-139
7.15
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1922

  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Low APR
Purchases APR 7.15%
Balance Transfer APR 7.15%
014
Load More Products

SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Reviews

Write a Review

Sort by:

  • Rating
  • Date
  • Most Useful

0 votes

I like this card, including the no annual fee. The low interest is also really great. What I wasn't too thrilled about was the foreign transaction fees. I went out of the country for spring break and didn't realize how much they add up. It says 1 percent, but it seemed to really add up to big buck.


0 votes

This card ended up giving me a higher APR than I thought was going to happen. I'd hoped for the lowest APR, since I'm a customer with other products and I've even had another of their cards. My credit is pretty good, too. No dice. I got an interest rate of 11.9, and I'm not thrilled with that.


0 votes

This card is perfect if you apply and get their lowest interest rate, which is 6.9 and want to transfer over some much higher interest rate cards. That's what I did a year ago. Since I've managed to make a big dent in my prior credit card and I'm seeing my FICO score go up.


0 votes

I'm in the service and do a lot of traveling for work and pleasure. So when I found out that the USA Rate Advantage MasterCard only charges 1% in foreign transaction fees, I snapped it up. I also like how there is no annual fee. Would be nice if there were some rewards attached to it, though.


0 votes

This is a fairly good card. It's pretty straightforward. You get a pretty good interest rate if you're lucky and you don't have to worry about annual fees. It would be nice, though, if there were some perks. I'm also not overly thrilled with the foreign transaction fee, even if it is just 1 percent.


0 votes

Great card to get if you travel and get in trouble with lost or stolen cards. That happned to me and I wasn't liable for anything, even though it was in another country. They also have a good waiver coverage if you rent a car, which I did. Had a little fender bender and this helped.


0 votes

I'm a military spouse struggling to keep afloat financially while my husband is overseas. So I turned to credit cards. This one works well for what I need--especially the no annual fee and the 1% foreign transaction fee. I sometimes buy things overseas and have them sent to him on base, rather than hassling with sending things from the states.

0 votes

I've had this card for awhile. It started out as a zero percent offer, which allowed me to pay off a much higher interest credit card. No annual fee is also very nice. It has been awhile since the zero percent went off the card. With many cards, the rates continue to creep up after that happens, but the rates are reasonable and haven't risen, which I appreciate since I still have a balance that I'm working on paying off.


0 votes

I am a USAA customer for my insurance needs and had been thinking about applying for a card for a long time. I decided to apply for this one because of the low interest rate. I sometimes have to carry a balance, since my job is a little up and down, since I'm on commission.I like it.


New Review for USAA Rate Advantage MasterCard

Rate your experience:

Cancel