Features

Who is USAA Secured Card Platinum Visa Designed For?

The USAA Secured Platinum Visa 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 Visa, the security deposit is an interesting-earning CD. As of December 2016, 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 Card Platinum Visa?

The USAA Secured Platinum Visa charges a variable APR rate of 10.40% to 20.40%, 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 Card Platinum Visa?

USAA Secured Platinum Visa 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. There are no foreign transaction fees. There is a $35 fee on late and returned payments, which is reduced to $25 for the first returned or late payment within six billing periods.

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

The USAA Secured Platinum Visa 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 Platinum Visa's Signup Bonus?

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

Does USAA Secured Card Platinum Visa Have Any Other Benefits?

The only real benefit of the USAA Secured Card Platinum Visa 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 Visa Better Than Other Credit Cards?

USAA Secured Card Platinum Visa 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
    Secured
  • 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
  • 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
    10.4% - 20.4%
  • Transfer Fee
    3%
  • Balance Transfer APR
    10.4% - 20.4%

Personal Credit Cards Products From USAA

js-table-filter bizname-usaa-rewards-visa-card
0
js-table-filter ccard-type-136
js-table-filter every-purchase-138
js-table-filter points-137
10.4
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

  • Every Purchase
  • Points
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Rewards
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
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 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 Rewards
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
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 credit-required-115
js-table-filter credit-required-116

Est. 1850

  • Cashback
  • Every Purchase
  • Gas
  • Groceries
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Cash Back
Card Type Rewards
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-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
10.4
4
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 10.4%
Balance Transfer APR 10.4%
Introductory Rate 4%
Intro APR period (months) 12
006
js-table-filter bizname-usaa-secured-card-american-express-card
35
js-table-filter ccard-type-138
10.4
js-table-filter card-type-9
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-132
js-table-filter credit-required-113
js-table-filter credit-required-114

Est. 1922

  • No Foreign Transaction Fee
Annual Fee $35
Card Type Secured
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
10.4
js-table-filter card-type-11
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-132
js-table-filter credit-required-113
js-table-filter credit-required-114

Est. 1922

  • No Foreign Transaction Fee
Annual Fee $35
Card Type Secured
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
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 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 Rewards
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
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
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
  • No Foreign Transaction Fee
Card Type Balance Transfer
Card Type Rewards
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
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
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 Cash Back
Card Type Rewards
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
18.4
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-113
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1922

  • No Foreign Transaction Fee
Annual Fee $35
Purchases APR 18.4%
Balance Transfer APR 18.4%
006
js-table-filter bizname-usaa-classic-american-express
35
js-table-filter ccard-type-136
18.4
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
js-table-filter credit-required-115

Est. 1922

  • No Foreign Transaction Fee
Annual Fee $35
Card Type Rewards
Purchases APR 18.4%
Balance Transfer APR 18.4%
006
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
js-table-filter every-purchase-138
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-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 Cash Back
Card Type Rewards
Purchases APR 10.15%
Balance Transfer APR 10.15%
006
js-table-filter bizname-usaa-rate-advantage-platinum-visa
js-table-filter ccard-type-139
7.40
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 7.40%
Balance Transfer APR 7.40%
014
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