Last Updated: 05/14/2026
USAA Rate Advantage Credit Card
Claimed
Last Updated: 05/14/2026
No Reviews Yet
This product has no reviews yet. Help others by sharing your thoughts.
Be the first to rateExplore a similar product
Try this top product in Credit Cards
Total Visa® Credit Card
Mostly recommended35 reviews
Community Recommended Products
View AllSponsored
Mostly recommended35 Reviews
Learn MoreSponsored
Strongly recommended13 Reviews
Learn MoreSponsored
Mostly recommended11 Reviews
Learn MoreCompare All Credit Cards
Filter & compare all your options in one place.
Highlights
Purchase APR (Variable APR)
11.15% - 25.15%(Verified 02/18/2025)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
11.15% - 25.15%(Verified 02/18/2025)
Disclaimer popup with additional information
Credit Score Range
680 - 850
Annual Fee
$0
USAA Rate Advantage Credit Card Review
This is a card issued by USAA Federal Savings Bank. If you're wondering whether USAA Rate Advantage Credit Card is the right card for you, read on.
Key Takeaways
- Must be a USAA® member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
- See the Guide to Benefits and Reward Terms and Conditions on USAA’s website for details.
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 15 months. Offers an introductory 0% APR on balance transfers for 15 months that post within 90 days of account opening. After this time, the variable regular APR of 11.15% to 25.15% will apply to introductory balances.
- APRs: USAA Rate Advantage Credit Card has a variable regular purchase APR that ranges from 11.15% up to 25.15%.
- 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.
- A 5% balance transfer fee. USAA Rate Advantage Credit Card charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 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 Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, price protection, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of USAA Rate Advantage Credit Card
| The Good | The Bad |
|
|
USAA Rate Advantage Credit Card FAQ
Does USAA Rate Advantage Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- 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 Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.USAA Rate Advantage Credit Card has a variable purchase APR that ranges from 11.15% up to 25.15%. The card has a variable balance transfer APR that ranges from 11.15% up to 25.15%. It also has a variable cash advance APR that ranges from 11.15% up to 25.15%.
Does USAA Rate Advantage Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 15 months. Offers an introductory 0% APR on balance transfers for 15 months that post within 90 days of account opening. After this time, the variable regular APR of 11.15% to 25.15% will apply to introductory balances.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 11.15% - 25.15% (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 15 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does USAA Rate Advantage 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 Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 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 Credit Card?
The customer service number for USAA Rate Advantage Credit Card is (800) 531-8722.
What is the support contact email for USAA Rate Advantage Credit Card?
The support contact email for USAA Rate Advantage Credit Card is info@usaa.com.
How do people rate the customer service and user experience of USAA Rate Advantage Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does USAA Rate Advantage Credit Card report your account activity to credit bureaus?
Yes, USAA Rate Advantage Credit Card reports to the following credit bureaus:
- 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 build your credit.
Does USAA Federal Savings Bank perform a hard credit pull?
Yes, USAA Rate Advantage Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for USAA Rate Advantage Credit Card
- Visit the website of USAA Rate Advantage Credit Card.
- 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.
Other Services by USAA Federal Savings Bank
Boaters Insurance
Rating not yet determined (3 Reviews)
Car Insurance
14
3
7
24 Reviews
Homeowners Insurance
30
10
44 Reviews
Life Insurance
11
11 Reviews
Mobile Home Insurance
Rating not yet determined (4 Reviews)
Motorcycle and ATV Insurance
Rating not yet determined (2 Reviews)
Personal Watercraft Insurance
Be the first to rate
Renters Insurance
5
10
16 Reviews
Specialty Homeowners Insurance
Be the first to rate
Travel Insurance
5
5 Reviews
Umbrella Insurance
Be the first to rate
Home Mortgage Loans
Be the first to rate
Other Credit Cards from USAA Federal Savings Bank
Purchase APR
14.90% - 30.90%
Disclaimer popup with additional information
Balance Transfer APR
14.90% - 30.90%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
16.15% - 28.15%
Disclaimer popup with additional information
Balance Transfer APR
16.15% - 28.15%
Disclaimer popup with additional information
Credit Score Range
680 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
14.90% - 30.90%
Disclaimer popup with additional information
Balance Transfer APR
14.90% - 30.90%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
19.15% - 27.40%
Disclaimer popup with additional information
Balance Transfer APR
19.15% - 27.40%
Disclaimer popup with additional information
Credit Score Range
680 - 850
300
850
Annual Fee
$95
Purchase APR
16.90% - 30.90%
Disclaimer popup with additional information
Balance Transfer APR
16.90% - 30.90%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Community Recommended Products
View AllSponsored
Mostly recommended35 Reviews
Learn MoreSponsored
Strongly recommended13 Reviews
Learn MoreSponsored
Mostly recommended11 Reviews
Learn MoreSuperMoney Net Recommendation Score
This product has no reviews yet. Help others by sharing your thoughts.
0
-1000+100
No one recommends
Everyone recommends
USAA Rate Advantage Credit Card Community Reviews
Would you recommend USAA Rate Advantage Credit Card to your friends?
There are currently no reviews.
You might also like
Best Personal Credit Cards
SuperMoney
Using Your Credit Card and Maintaining a High Credit Score
Gina Roberts-Grey
Can Your Kids Handle Credit Cards?
Audrey Henderson
Don't Want a Credit Card? You're Not Alone
LeeAnn Neal
What Are The Different Types of Credit?
Julie Bawden-Davis
