USAA Rate Advantage Visa® Platinum Credit Card
in Personal Credit Cards from USAA
Cast your vote
Would you recommend USAA Rate Advantage Visa® Platinum Credit Card to your friends?
| Community Rating |
Rating not yet determined |
| Balance Transfer APR (Variable APR) | 6.9% - 23.9% |
| Credit Score Range | 660 - 740 |
| Annual Fee | $0 |
| Purchase APR (Variable APR) | 6.9% - 23.9% |
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.
Key takeaways:
- Competitive APRs. USAA Rate Advantage Visa® Platinum Credit Card has a variable purchase APR that ranges from 6.9% up to 23.9%.
- 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 up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees.
- $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.
USAA Rate Advantage Visa® Platinum Credit Card Pros and Cons:
| The Good | The Bad |
|---|---|
|
|
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 6.9% up to 23.9%. The card has a variable balance transfer APR that ranges from 6.9% up to 23.9%. It also has a variable cash advance APR that ranges from 6.9% up to 23.9%.
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.| Description | |
|---|---|
| Introductory Rate | N/A |
| Purchase Intro APR Period (months) | N/A |
What are the fees for USAA Rate Advantage Visa® Platinum Credit Card?
The following fees apply to USAA Rate Advantage Visa® Platinum Credit Card:
- 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 |
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.
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Contact
- Headquarters
-
9800 Fredericksburg Road
San Antonio, TX 78288 - Visit Site
Other Services by USAA
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Availability
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 days |
| Cash Advance Fee (%) | Up to 3% |
| Returned Payment Fee | Up to $35 |
| Late Fee Amount | Up to $35 |
USAA Rate Advantage Visa® Platinum Credit Card Community Reviews
Would you recommend USAA Rate Advantage Visa® Platinum Credit Card to your friends?
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Annual Fee
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Purchase APR
10.9% - 25.9%
(Variable APR)
Balance Transfer APR
10.9% - 25.9%
(Variable APR)
Credit Score Range
680 - 850
Annual Fee
$0
Purchase APR
10.9% - 25.9%
(Variable APR)
Balance Transfer APR
10.9% - 25.9%
(Variable APR)
Credit Score Range
680 - 850
Annual Fee
$0
Purchase APR
10.9% - 25.9%
(Variable APR)
Balance Transfer APR
10.9% - 25.9%
(Variable APR)
Credit Score Range
680 - 850
Annual Fee
$0
Purchase APR
10.9% - 25.9%
(Variable APR)
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