Features

Who is USAA Secured Platinum MasterCard Designed For?

The USAA Secured Platinum MasterCard is designed for people with poor or bad credit who want the convenience of a credit card and to repair their credit. This is a secured card, which means the size of the line of credit is based on how much you put down as a security deposit. In the case of the USAA Secured Platinum MasterCard the security deposit is an interesting-earning CD. As of August 2015, the CD has a two-year term and an APY of 0.54%, which will vary throughout the two-year term. The minimum security deposit is $250 and the maximum is $5,000.

USAA is a members-only financial services company that is open to U.S. military service members, veterans with an honorable discharge and their family members.

What are the Interest Rates for USAA Secured Platinum MasterCard?

The USAA Secured Platinum MasterCard charges a variable APR rate of 9.90% to 19.90%, which varies depending on creditworthiness and applies to purchases, balance transfers and cash advances. There is no penalty rate for late payments, but there are fees to consider.

What Are the Fees for USAA Secured Platinum CardCredit Card?

USAA Secured Platinum MasterCard has a $35 annual fee and a 3% fee on balance transfers and cash advances (maximum of $200). However, the cash advance fee is waived when used to transfer funds electronically to a USAA deposit account. Foreign transactions have a 1% fee and there is a $35 fee on late and returned payments, which is reduced to $25 for the first returned or late payment within 6 billing periods.

What Is USAA Secured Card Platinum MasterCard's Rewards Program Like?

The USAA Secured Platinum MasterCard doesn't have a rewards program. If payments are made on time and the credit limit is not exceeded, This card can help build your credit so you can qualify for credit cards with a rewards program.

What about USAA Secured Card Patinum MasterCard's Signup Bonus?

The USAA Secured Card Platinum MasterCard does not offer a signup bonus.

Does USAA Secured Card Platinum MasterCard Have Any Other Benefits?

The only real benefit of the USAA Secured Card Platinum MasterCard is that it places the security deposit in an interest-earning CD, which is more than most secured credit cards offer.

How Is USAA Secured Card Platinum MasterCard Better Than Other Credit Cards?

USAA Secured Card Platinum MasterCard has extremely flexible eligibility requirements, which makes it a useful tool for service members who want to repair their credit. The security deposit has a low minimum of $250 but allows cardholders to get a credit line of up to $5,000. The annual fee is reasonable and the interest rates are competitive. Although this card doesn't have a signup bonus or a rewards program, it's a real credit card that can, over time, help people to improve their credit and qualify for other credit cards with better reward programs.

  • Card Type
    Low APR
  • Customer Type
    Personal
  • Card Network
    Mastercard
  • Minimum Age
    18
  • Co-signing Allowed
  • Grace Period / Deferred Interest
    25
  • Late Payment Penalty
    $35
  • Returned Payment Fee
    $35
  • Foreign Currency Transaction Fee
    1%
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Free FICO Score
  • Lost Luggage Insurance
  • Travel Insurance
  • Air Miles
  • Cashback
  • Points
  • Purchases APR
    9.9% - %
  • Transfer Fee
    3%
  • Balance Transfer APR
    9.90% to 19.90%% - %

Personal Credit Cards Products From USAA

js-table-filter bizname-usaa-rewards-visa-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
10.15
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 credit-required-115
js-table-filter credit-required-116

Est. 1922

  • Cashback
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 10.15%
Balance Transfer APR 10.15%
076
js-table-filter bizname-usaa-rate-advantage-mastercard
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
6.9
js-table-filter no-annual-fee-238
js-table-filter card-type-11
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 6.9%
Balance Transfer APR 6.9%%
140
js-table-filter bizname-usaa-cash-rewards-american-express-card
0
js-table-filter ccard-type-222
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
js-table-filter gas-139
js-table-filter groceries-141
12.15
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 credit-required-115
js-table-filter credit-required-116

Est. 1922

  • Cashback
  • Every Purchase
  • Gas
  • Groceries
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Cash Back
Card Type Balance Transfer
Card Type Rewards
Purchases APR 12.15%
Balance Transfer APR 12.15%
072
js-table-filter bizname-usaa-rewards-american-express-card
0
js-table-filter ccard-type-222
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
js-table-filter gas-139
js-table-filter groceries-141
10.15
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-9
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1850

  • Cashback
  • Every Purchase
  • Gas
  • Groceries
  • No Annual Fee
  • 0% Introductory APR
  • No Foreign Transaction Fee
Card Type Cash Back
Card Type Balance Transfer
Card Type Rewards
Purchases APR 10.15%
Balance Transfer APR 10.15%
078
js-table-filter bizname-usaa-rewards-world-mastercard
js-table-filter airlines-140
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter every-purchase-138
js-table-filter points-137
11.15
js-table-filter travel-143
0
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-11
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1922

  • Airlines
  • Every Purchase
  • Points
  • Travel
  • No Annual Fee
  • 0% Introductory APR
  • No Foreign Transaction Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 11.15%
Balance Transfer APR 11.15%
Intro APR period (months) 12
073
js-table-filter bizname-usaa-cash-rewards-visa-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
10.15
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1922

  • Cashback
  • Every Purchase
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 10.15%
Balance Transfer APR 10.15%
006
js-table-filter bizname-usaa-cash-rewards-world-mastercard
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
9.9
js-table-filter no-annual-fee-238
js-table-filter card-type-11
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1922

  • Cashback
  • Every Purchase
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 9.9%
Balance Transfer APR 9.9%%
006
js-table-filter bizname-usaa-secured-platinum-american-express-card
35
js-table-filter ccard-type-137
js-table-filter ccard-type-138
10.15
js-table-filter card-type-9
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-113
js-table-filter credit-required-114

Est. 1922

  • No Foreign Transaction Fee
Annual Fee $35
Card Type Balance Transfer
Card Type Secured
Purchases APR 10.15%
Balance Transfer APR 10.15%
006
js-table-filter bizname-usaa-secured-card-platinum-mastercard
35
js-table-filter ccard-type-139
9.9
js-table-filter card-type-11
js-table-filter credit-required-132
js-table-filter credit-required-113

Est. 1922

Annual Fee $35
Card Type Low APR
Purchases APR 9.9%
Balance Transfer APR 9.90% to 19.90%%
006
js-table-filter bizname-usaa-rewards-american-express
js-table-filter ccard-type-136
js-table-filter every-purchase-138
js-table-filter gas-139
js-table-filter points-137
10.15
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 credit-required-115
js-table-filter credit-required-116

Est. 1922

  • Every Purchase
  • Gas
  • Points
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Rewards
Purchases APR 10.15%
Balance Transfer APR 10.15% to 26.15%%
006
js-table-filter bizname-usaa-military-affiliate-cards
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter every-purchase-138
js-table-filter points-137
11.15
js-table-filter no-annual-fee-238
js-table-filter card-type-9
js-table-filter card-type-11
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1922

  • Every Purchase
  • Points
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 11.15%
Balance Transfer APR 11.15% to 26.15 APR%
006
js-table-filter bizname-usaa-preferred-cash-rewards-visa-signature-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
12.15
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 credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1922

  • Cashback
  • Every Purchase
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 12.15%
Balance Transfer APR 12.15% to 26.15% APR%
006
js-table-filter bizname-usaa-classic-visa-platinum
0
18.15
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 credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1922

  • No Annual Fee
  • No Foreign Transaction Fee
Purchases APR 18.15%
006
js-table-filter bizname-usaa-classic-american-express
18.15
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 credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1922

  • No Annual Fee
  • No Foreign Transaction Fee
Purchases APR 18.15%
006
js-table-filter bizname-usaa-active-military-mastercard
0
js-table-filter cashback-135
js-table-filter every-purchase-138
js-table-filter points-137
10.15
js-table-filter no-annual-fee-238
js-table-filter no-foreign-currency-transaction-fee-237

Est. 1922

  • Cashback
  • Every Purchase
  • Points
  • No Annual Fee
  • No Foreign Transaction Fee
Purchases APR 10.15%
Balance Transfer APR 10.15%
000
js-table-filter bizname-usaa-cash-rewards-visa-signature
0
js-table-filter ccard-type-139
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
10.15
js-table-filter no-annual-fee-238
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1922

  • Cashback
  • Every Purchase
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Low APR
Card Type Rewards
Purchases APR 10.15%
Balance Transfer APR 10.15% to 26.15% APR%
006
js-table-filter bizname-usaa-rate-advantage-platinum-visa
js-table-filter ccard-type-139
7.15
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 credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1922

  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Low APR
Purchases APR 7.15%
Balance Transfer APR 7.15%
014
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