Features

Who is USAA Rate Advantage Visa Platinum Designed For?

The USAA Rate Advantage Visa Platinum is designed for people who are affiliated with the military and are looking for a no-frills credit card with rock bottom rates. Members must either be an active (or retired) member of the U.S. military or be related to military personnel to become a USAA member.

What are the Rates for USAA Rate Advantage Visa Platinum?

The USAA Rate Advantage Visa Platinum charges the same rate for purchases, balance transfers, and cash advances. Based on members' creditworthiness the rate ranges from 7.40% APR to 24.40% APR. There is no introductory rate but all service members receive a 4% APR on all balances for up to 12 months during deployment.

What Are the Fees for USAA Rate Advantage Visa Platinum?

The American Express USAA Rewards does not have an annual fee. It does charge a balance transfer and cash advance fee of 3%, but the maximum fee is $200. It has no foreign transaction fee. Late payments and returned payments have a $35 fee.

What Is USAA Rate Advantage Visa Platinum' Rewards Program Like?

The USAA Rate Advantage Visa Platinum has no rewards program, but it does provide users valuable benefits (see below)

What about the USAA Rate Advantage Visa Platinum Signup Bonus?

USAA Rate Advantage Visa Platinum doesn’t have a rewards program, so it doesn’t have a signup bonus either. 

Does the USAA Rate Advantage Visa Platinum Have Any Other Benefits?

The USAA Cash Rewards American Express comes with the standard American Express travel, security and travel benefits, such as identity theft services, travel accident insurance, extended warranty on purchases and rental car insurance.

It also gives special benefits to the military, such as a rebate of all finance charges while a member is serving in a qualified military campaign and provides practical assistance during and after the deployment.

How Is USAA Rate Advantage Visa Platinum Better Than Other Credit Cards?

The USAA Rate Advantage Visa Platinum has low rates (as low as 7.4% APR), no annual fee, no penalty rates, and no foreign transaction fees. If you don’t care about earning cash back or reward points, and you’re looking for a card with low rates and generous benefits (collision damage waiver, identity theft insurance, extended warranty), this is a credit card to consider. The card is restricted to people related to the military, but the requirements are open enough to allow many people to qualify through relatives.

  • Card Type
    Low APR
  • Customer Type
    Personal
  • Card Network
    Visa
  • Credit Score Range
    640 - 850
  • Minimum Age
    18
  • Grace Period / Deferred Interest
    25
  • Late Payment Penalty
    $35
  • Returned Payment Fee
    $35
  • No Annual Fee
  • No Foreign Transaction Fee
  • Car Rental Insurance
  • Extended Warranty
  • Fraud Liability
  • Purchases APR
    7.4% - 24.4%
  • Transfer Fee
    3%
  • Balance Transfer APR
    7.4% - 24.4%

Personal Credit Cards Products From USAA

js-table-filter bizname-usaa-rewards-visa-card
0
js-table-filter ccard-type-136
700
js-table-filter every-purchase-138
js-table-filter points-137
10.4
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js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
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js-table-filter states-offered-81
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js-table-filter states-offered-95
js-table-filter states-offered-98
js-table-filter states-offered-100
js-table-filter states-offered-99
js-table-filter states-offered-101

Est. 1922

  • Every Purchase
  • Points
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Rewards
Credit Score Range 700
Purchases APR 10.4%
Balance Transfer APR 10.4%
076
js-table-filter bizname-usaa-cash-rewards-american-express-card
0
js-table-filter ccard-type-222
js-table-filter ccard-type-136
js-table-filter cashback-135
700
js-table-filter every-purchase-138
js-table-filter gas-139
js-table-filter groceries-141
12.4
js-table-filter no-annual-fee-238
js-table-filter card-type-9
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter states-offered-44
js-table-filter states-offered-43
js-table-filter states-offered-47
js-table-filter states-offered-45
js-table-filter states-offered-48
js-table-filter states-offered-49
js-table-filter states-offered-50
js-table-filter states-offered-52
js-table-filter states-offered-51
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js-table-filter states-offered-55
js-table-filter states-offered-57
js-table-filter states-offered-59
js-table-filter states-offered-60
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js-table-filter states-offered-58
js-table-filter states-offered-62
js-table-filter states-offered-63
js-table-filter states-offered-64
js-table-filter states-offered-67
js-table-filter states-offered-66
js-table-filter states-offered-65
js-table-filter states-offered-69
js-table-filter states-offered-70
js-table-filter states-offered-73
js-table-filter states-offered-71
js-table-filter states-offered-74
js-table-filter states-offered-77
js-table-filter states-offered-81
js-table-filter states-offered-78
js-table-filter states-offered-79
js-table-filter states-offered-80
js-table-filter states-offered-82
js-table-filter states-offered-75
js-table-filter states-offered-76
js-table-filter states-offered-83
js-table-filter states-offered-84
js-table-filter states-offered-85
js-table-filter states-offered-86
js-table-filter states-offered-89
js-table-filter states-offered-90
js-table-filter states-offered-91
js-table-filter states-offered-92
js-table-filter states-offered-93
js-table-filter states-offered-94
js-table-filter states-offered-97
js-table-filter states-offered-95
js-table-filter states-offered-98
js-table-filter states-offered-100
js-table-filter states-offered-99
js-table-filter states-offered-101

Est. 1922

  • Cashback
  • Every Purchase
  • Gas
  • Groceries
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Cash Back
Card Type Rewards
Credit Score Range 700
Purchases APR 12.4%
Balance Transfer APR 12.4%
072
js-table-filter bizname-usaa-rewards-american-express-card
0
js-table-filter ccard-type-222
js-table-filter ccard-type-136
js-table-filter cashback-135
700
js-table-filter every-purchase-138
js-table-filter gas-139
js-table-filter groceries-141
10.4
js-table-filter no-annual-fee-238
js-table-filter card-type-9
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter states-offered-44
js-table-filter states-offered-43
js-table-filter states-offered-47
js-table-filter states-offered-45
js-table-filter states-offered-48
js-table-filter states-offered-49
js-table-filter states-offered-50
js-table-filter states-offered-52
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js-table-filter states-offered-67
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js-table-filter states-offered-98
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js-table-filter states-offered-99
js-table-filter states-offered-101

Est. 1850

  • Cashback
  • Every Purchase
  • Gas
  • Groceries
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Cash Back
Card Type Rewards
Credit Score Range 700
Purchases APR 10.4%
Balance Transfer APR 10.4%
078
js-table-filter bizname-usaa-cash-rewards-visa-card
0
js-table-filter ccard-type-222
js-table-filter ccard-type-136
js-table-filter cashback-135
700
js-table-filter every-purchase-138
12.65
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter states-offered-44
js-table-filter states-offered-43
js-table-filter states-offered-47
js-table-filter states-offered-45
js-table-filter states-offered-48
js-table-filter states-offered-49
js-table-filter states-offered-50
js-table-filter states-offered-52
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js-table-filter states-offered-89
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js-table-filter states-offered-97
js-table-filter states-offered-95
js-table-filter states-offered-98
js-table-filter states-offered-100
js-table-filter states-offered-99
js-table-filter states-offered-101

Est. 1922

  • Cashback
  • Every Purchase
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Cash Back
Card Type Rewards
Credit Score Range 700
Purchases APR 12.65%
Balance Transfer APR 12.65%
006
js-table-filter bizname-usaa-secured-card-american-express-card
35
js-table-filter ccard-type-138
350
10.4
js-table-filter card-type-9
js-table-filter no-foreign-currency-transaction-fee-237

Est. 1922

  • No Foreign Transaction Fee
Annual Fee $35
Card Type Secured
Credit Score Range 350
Purchases APR 10.4%
Balance Transfer APR 10.4%
106
js-table-filter bizname-usaa-secured-card-platinum-mastercard
35
js-table-filter ccard-type-138
300
10.4
js-table-filter card-type-11
js-table-filter no-foreign-currency-transaction-fee-237

Est. 1922

  • No Foreign Transaction Fee
Annual Fee $35
Card Type Secured
Credit Score Range 300
Purchases APR 10.4%
Balance Transfer APR 10.4%
006
js-table-filter bizname-usaa-rewards-american-express
0
js-table-filter ccard-type-222
js-table-filter ccard-type-136
js-table-filter cashback-135
700
js-table-filter every-purchase-138
js-table-filter gas-139
js-table-filter groceries-141
10.4
js-table-filter no-annual-fee-238
js-table-filter card-type-9
js-table-filter no-foreign-currency-transaction-fee-237

Est. 1922

  • Cashback
  • Every Purchase
  • Gas
  • Groceries
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Cash Back
Card Type Rewards
Credit Score Range 700
Purchases APR 10.4%
Balance Transfer APR 10.4%
006
js-table-filter bizname-usaa-military-affiliate-cards
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
640
js-table-filter every-purchase-138
js-table-filter points-137
11.4
0
js-table-filter no-annual-fee-238
js-table-filter card-type-9
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237

Est. 1922

  • Every Purchase
  • Points
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Balance Transfer
Card Type Rewards
Credit Score Range 640
Purchases APR 11.4%
Balance Transfer APR 11.4%
Intro APR period (months) 12
006
js-table-filter bizname-preferred-cash-rewards-visa-signature
0
js-table-filter ccard-type-222
js-table-filter ccard-type-136
js-table-filter cashback-135
640
js-table-filter every-purchase-138
12.4
4
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237

Est. 1922

  • Cashback
  • Every Purchase
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Cash Back
Card Type Rewards
Credit Score Range 640
Purchases APR 12.4%
Balance Transfer APR 12.4%
Introductory Rate 4%
Intro APR period (months) 12
006
js-table-filter bizname-usaa-classic-visa-platinum
35
560
18.4
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237

Est. 1922

  • No Foreign Transaction Fee
Annual Fee $35
Credit Score Range 560
Purchases APR 18.4%
Balance Transfer APR 18.4%
000
js-table-filter bizname-usaa-classic-american-express
35
js-table-filter ccard-type-136
560
18.65
js-table-filter card-type-9
js-table-filter no-foreign-currency-transaction-fee-237

Est. 1922

  • No Foreign Transaction Fee
Annual Fee $35
Card Type Rewards
Credit Score Range 560
Purchases APR 18.65%
Balance Transfer APR 18.65%
000
js-table-filter bizname-usaa-cash-rewards-visa-signature
0
js-table-filter ccard-type-222
js-table-filter ccard-type-136
js-table-filter cashback-135
640
js-table-filter every-purchase-138
10.65
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237

Est. 1922

  • Cashback
  • Every Purchase
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Cash Back
Card Type Rewards
Credit Score Range 640
Purchases APR 10.65%
Balance Transfer APR 10.65%
006
js-table-filter bizname-usaa-rate-advantage-platinum-visa
js-table-filter ccard-type-139
640
7.4
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237

Est. 1922

  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Low APR
Credit Score Range 640
Purchases APR 7.4%
Balance Transfer APR 7.4%
014
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0 votes

Tried for four months to get paper statements. Called many times and even spoke with credit card supervisors. No luck. Transition statements on-line from Master Card to VISA were incomprehensible. Was told paper statements would be sent. Then told electronic statements were being sent. Neither were and only received one after repeated complaints. Find a different bank and a different credit card.


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