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  USAA Rate Advantage Visa® Platinum Credit Card

USAA Rate Advantage Visa® Platinum Credit Card

in Personal Credit Cards from USAA

Claimed

USAA Rate Advantage Visa® Platinum Credit Card

Claimed

in Personal Credit Cards from USAA

Net Recommendation Score -100% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

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1 user doesn't recommend
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Highlights
Highlights
Community Rating

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Balance Transfer APR  (Variable APR) 8.9% - 25.9%
Credit Score Range 660 - 740
Annual Fee $0
Purchase APR  (Variable APR) 8.4% - 25.4%

USAA Rate Advantage Visa® Platinum Credit Card Review

USAA Rate Advantage Visa® Platinum Credit Card 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. This is everything you need to know to make a good choice.

  • Competitive APRs. USAA Rate Advantage Visa® Platinum Credit Card has a variable purchase APR of up to 25.4%.
  • $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, price protection, travel accident insurance, travel assistance, and fraud protection.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 660.
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • No foreign transaction fee.
  • USAA Rate Advantage Visa® Platinum Credit Card reports to multiple credit bureaus.
  • Offers auto rental collision damage waiver.
  • Extended warranty and price protection on purchases.
  • Free access to your credit score.
  • Travel accident and travel assistance insurance.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.

Is there a USAA Rate Advantage Visa® Platinum Credit Card cash back or rewards program?

No, USAA Rate Advantage Visa® Platinum Credit Card does not offer a rewards program.

What are the USAA Rate Advantage Visa® Platinum Credit Card benefits?

USAA Rate Advantage Visa® Platinum Credit Card provides the following benefits:

  • Free Credit Score
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Price Protection
  • Travel Accident Insurance
  • Travel Assistance
  • ID Theft Protection
  • 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. USAA Rate Advantage Visa® Platinum Credit Card has lower than average purchase APRs.

USAA Rate Advantage Visa® Platinum Credit Card has a variable purchase APR that ranges from 8.4% up to 25.4%. The card has a variable balance transfer APR that ranges from 8.9% up to 25.9%. It also has a variable cash advance APR that ranges from 8.4% up to 25.4%.

Does USAA Rate Advantage Visa® Platinum Credit Card have an introductory APR offer on balance transfers??

No, USAA Rate Advantage Visa® Platinum Credit Card does not come with an introductory APR offer for balance transfers.

Does USAA Rate Advantage Visa® Platinum Credit Card have an introductory APR offer on new purchases??

USAA Rate Advantage Visa® Platinum Credit Card does not offer an introductory rate on new purchases.

What are the USAA Rate Advantage Visa® Platinum Credit Card fees?

The following fees apply to USAA Rate Advantage Visa® Platinum Credit Card:

  • There is no overlimit fee
USAA Rate Advantage Visa® Platinum Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 0%
Balance Transfer Fee 3%
Returned Payment Fee $35
Late Payment Fee $35

Does USAA Rate Advantage Visa® Platinum Credit Card have a foreign transaction fee?

USAA Rate Advantage Visa® Platinum Credit Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

Does USAA Rate Advantage Visa® Platinum Credit Card report your account activity to credit bureaus?

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 can help improve your credit score.

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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.

SUPERMONEY Disclosure: 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...

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • 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
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

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
Returned Payment Fee $35
Balance Transfer Fee % 3%
Late Fee Amount $35
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Card Type
  • Low Interest
Card Network
  • Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Flight Insurance  
Travel Insurance  
Fraud Liability  
Extended Warranty  
Car Rental Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
  • Price Protection
  • Travel Accident Insurance
  • Travel Assistance
Cash Advance APR (Variable APR) 8.4% - 25.4%
Purchase APR (Variable APR) 8.4% - 25.4%
Balance Computation Average daily balance (including new purchases)
Balance Transfer APR (Variable APR) 8.9% - 25.9%

USAA Rate Advantage Visa® Platinum Credit Card Community Reviews

 

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Purchase APR 11.4% - 27.4%
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Purchase APR 12.4% - 27.4%
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