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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%

SUPERMONEY 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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Highlights
Community Rating

Rating not yet determined  

Purchase APR  (Variable APR) 6.9% - 23.9%
Balance Transfer APR  (Variable APR) 6.9% - 23.9%
Credit Score Range 660 - 740
Annual Fee $0

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.
  • 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 price protection, 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 & Cons
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.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Charges a 3% balance transfer fee.
USAA Rate Advantage Visa® Platinum Credit Card FAQ

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:

  • Price Protection
  • 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.
USAA Rate Advantage Visa® Platinum Credit Card Purchase Intro Offer
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
USAA Rate Advantage Visa® Platinum Credit Card Fees
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?

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.

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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

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
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 660 - 740
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
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
  • Trip Cancellation Insurance
Rewards Type No Rewards
Cash Advance APR (Variable APR) 6.9% - 23.9%
Balance Computation Average daily balance (including new purchases).
Purchase APR (Variable APR) 6.9% - 23.9%
Balance Transfer APR (Variable APR) 6.9% - 23.9%
Balance Transfer Fee % 3%
Card Type Low Interest
Card Network Visa

USAA Rate Advantage Visa® Platinum Credit Card Community Reviews

 

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SUPERMONEY 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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