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USAA Rate Advantage Visa® Platinum Credit Card
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Community Rating |
Rating not yet determined |
Purchase APR (Variable APR) |
8.40% - 25.40% (Verified 08/22/2022) |
Balance Transfer APR (Variable APR) |
8.40% - 25.40% (Verified 08/22/2022) |
Credit Score Range | 600 - 850 |
Annual Fee | $0 |
USAA Rate Advantage Visa® Platinum Credit Card Review
This is a credit card issued by USAA. If you're wondering whether USAA Rate Advantage Visa® Platinum Credit Card is the right card for you, read on.
Key Takeaways
- Competitive APRs. USAA Rate Advantage Visa® Platinum Credit Card has a variable purchase APR that ranges from 8.40% up to 25.40%.
- No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
- 3% Balance transfer fee. USAA Rate Advantage Visa® Platinum Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, identity theft protection, price protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of USAA Rate Advantage Visa® Platinum Credit Card
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USAA Rate Advantage Visa® Platinum Credit Card FAQ
Does USAA Rate Advantage Visa® Platinum Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the USAA Rate Advantage Visa® Platinum Credit Card benefits?
It provides the following benefits:
- Free Credit Score
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Trip Cancellation Insurance
- Zero fraud liability
- Price Protection
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for USAA Rate Advantage Visa® Platinum Credit Card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.USAA Rate Advantage Visa® Platinum Credit Card has a variable purchase APR that ranges from 8.40% up to 25.40%. The card has a variable balance transfer APR that ranges from 8.40% up to 25.40%. It also has a variable cash advance APR that ranges from 8.40% up to 25.40%.
Does USAA Rate Advantage Visa® Platinum Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does USAA Rate Advantage Visa® Platinum Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for USAA Rate Advantage Visa® Platinum Credit Card?
The following fees apply:
- There is no overlimit fee
Fees | Amount |
---|---|
Annual Fee | $0 |
Overlimit Fee | $0 |
Foreign Transaction Fee | 0% |
Returned Payment Fee | up to $35 |
Late Payment Fee | up to $35 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does USAA Rate Advantage Visa® Platinum Credit Card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for USAA Rate Advantage Visa® Platinum Credit Card?
The USAA Rate Advantage Visa® Platinum Credit Card customer service number is (210) 531-8722.
What is the support contact email for USAA Rate Advantage Visa® Platinum Credit Card?
The support contact email for USAA Rate Advantage Visa® Platinum Credit Card is info@usaa.com.
What is the USAA Rate Advantage Visa® Platinum Credit Card login page?
You can access the USAA Rate Advantage Visa® Platinum Credit Card login page here.
How do people rate the customer service and user experience of USAA Rate Advantage Visa® Platinum Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does USAA Rate Advantage Visa® Platinum Credit Card report your account activity to credit bureaus?
Yes, USAA Rate Advantage Visa® Platinum Credit Card reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for USAA Rate Advantage Visa® Platinum Credit Card
- Visit the USAA Rate Advantage Visa® Platinum Credit Card website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
9800 Fredericksburg Road
San Antonio, TX 78288 USA - (210) 531-8722
- Visit Site
- Email Support
Other Services by USAA
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
Cash Advance Fee (%) | Up to 3% |
Foreign Currency Transaction Fee | 0% |
No Annual Fee | |
No Foreign Transaction Fee | |
Annual Fee | $0 |
Minimum Interest Charge | $0 |
Over-Limit Fee | $0 |
No Interest Grace Period for Late Payment | 25 days |
Returned Payment Fee | Up to $35 |
Late Fee Amount | Up to $35 |
USAA Rate Advantage Visa® Platinum Credit Card Community Reviews
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