USAA® Rate Advantage Visa Platinum® Card

USAA® Rate Advantage Visa Platinum® Card

USAA® Rate Advantage Visa Platinum® Card

USAA® Rate Advantage Visa Platinum® Card

USAA® Rate Advantage Visa Platinum® Card

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Card details

  • Enjoy USAA's lowest rate card

  • No annual fee, no foreign transaction fees, no penalty APR

  • USAA membership is available to active and former military and their eligible family members

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    N/A

  • Bonus offer

    None

  • Intro APR

    0% intro APR on Balance Transfers for 15 months

  • Ongoing APR

    APR: 6.90%-23.90%, Variable

    Cash Advance APR: 6.90%-23.90%, Variable

  • Balance transfer fee

    3%

  • Foreign transaction fee

    None

Recommended credit score

Compare to other cards

USAA Rate Advantage Platinum Visa® Credit Card

USAA® Rate Advantage Visa Platinum® Card

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Annual fee

$0

Annual fee

$75

Annual fee

$0

Regular APR

6.90%-23.90%, Variable

Regular APR

18.99%-26.99% Variable APR

Regular APR

16.99%-24.99% Variable APR

Rates & Fees

Intro APR

0% intro APR on Balance Transfers for 15 months

Intro APR

N/A

Intro APR

0% intro APR on purchases for 12 months from the date of account opening

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Melissa Lambarena

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Rating details

3.5

Editor's overall rating

Pros and cons

Pros
  • No annual fee

  • No foreign transaction fee

Cons
  • No rewards

The USAA® Rate Advantage Visa Platinum® Card’s low ongoing interest rate can be a money-saver for military and their qualifying family members.

The $0. Among the card's features:

--0% intro APR on Balance Transfers for 15 months that post to your account within 90 days of account opening, then an ongoing APR of 6.90%-23.90% Variable.

--Special rates for eligible military.

--No foreign transaction fees.

If you carry an ongoing balance, you’ll benefit with the USAA® Rate Advantage Visa Platinum® Card, assuming you can qualify. If, however, you pay off your bill each month, this card won’t do much for you.