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USAA Rate Advantage Visa® Platinum Credit Card

in Personal Credit Cards

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USAA Rate Advantage Visa® Platinum Credit Card

Unaffiliated

in Personal Credit Cards

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Overview

Who is this credit card designed for?

USAA Rate Advantage Visa® Platinum Credit Card is a credit card issued by USAA, which is based in San Antonio, TX. 

USAA Rate Advantage Visa® Platinum Credit Card is designed for people with a credit score of 660 to 740. It's perfect for consumers looking for a card without an annual fee.

What are the relevant 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 8.4% up to 25.4%.

It also has a variable cash advance APR that ranges from 8.4% up to 25.4%.

Is an introductory APR offer available?

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.

What are the fees?

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

  • There is no annual fee.
  • A late payment penalty of $35.
  • A returned payment fee of $35.
  • There is no overlimit fee
  • There are no foreign transaction fees.

Is a rewards program offered?

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

Is a signup bonus offered?

USAA Rate Advantage Visa® Platinum Credit Card doesn't offer a cash signup bonus.

Is an annual loyalty bonus offered?

USAA Rate Advantage Visa® Platinum Credit Card doesn't offer a cash loyalty bonus.

What additional benefits are offered?

 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
  • Reports to major credit bureaus

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 and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

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Availability

Available in 50 States and Washington, DC
  • 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

Grace Period
25
Over-Limit Fee
$0
Minimum Interest Charge
$0
Annual Fee
$0
No Annual Fee
Foreign Currency Transaction Fee
0%
No Foreign Transaction Fee
Late Payment Penalty
$35
Returned Payment Fee
$35
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Veterans
Credit Score Range
660 - 740
850 300 660 740
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Minimum Age
18
Customer Type
Personal
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • ID Theft Protection
  • Price Protection
  • Travel Accident Insurance
  • Travel Assistance
Car Rental Insurance
Extended Warranty
Fraud Liability
Travel Insurance
Flight Insurance
Cash Advance APR
(Variable APR)
8.4% - 25.4%
8% 27%
Purchases APR
(Variable APR)
8.4% - 25.4%
0% 29%
Balance Computation
Average daily balance (including new purchases)
Balance Transfer APR
(Variable APR)
8.4% - 25.4%
8% 29%
Transfer Fee
3%
Transfer Fee
up to 3%

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