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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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Highlights
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Community Rating

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

USAA Rate Advantage Visa® Platinum Credit Card Review

USAA Rate Advantage Visa® Platinum Credit Card is a credit card issued by USAA. 

This card is designed for people with fair credit. The minimum credit score to apply is 660. 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.

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.

USAA Rate Advantage Visa® Platinum Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A

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
  • 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?

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?

No, USAA Rate Advantage Visa® Platinum Credit Card does not come with an introductory APR offer for balance transfers. USAA Rate Advantage Visa® Platinum Credit Card does not offer an introductory rate on new purchases.
USAA Rate Advantage Visa® Platinum Credit Card Balance Transfers
Description
Balance Transfer APR 8.9% - 25.9%
Introductory Rate N/A
Intro APR period (months) N/A
USAA Rate Advantage Visa® Platinum Credit Card Rates & Terms
Description
Balance Computation Average daily balance (including new purchases)
Purchase APR 8.4% - 25.4%
Credit Limit N/A
Penalty APR N/A
Cash Advance APR 8.4% - 25.4%
Introductory Rate N/A
Intro APR period (months) N/A

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 website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • 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

No Interest Grace Period for Late Payment 25
Over-Limit Fee $0
Minimum Interest Charge $0
Annual Fee $0
Foreign Currency Transaction Fee 0%
No Annual Fee  
No Foreign Transaction Fee  
Returned Payment Fee $35
Late Fee Amount $35
Balance Transfer Fee % 3%
Minimum Age 18
Credit Score Range 660 - 740
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Customer Type Personal
Card Type
  • Low Interest
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Card Network
  • Visa
Car Rental Insurance  
Extended Warranty  
Fraud Liability  
Travel Insurance  
Flight 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
Purchase APR (Variable APR) 8.4% - 25.4%
Cash Advance 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 12.4% - 27.4%
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Purchase APR 13.4% - 27.4%
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Purchase APR 12.90% - 27.90%
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Balance Transfer APR 12.90% - 27.90%
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