USAA® Rate Advantage Visa Platinum® Card

USAA® Rate Advantage Visa Platinum® Card

on USAA's secure website

USAA® Rate Advantage Visa Platinum® Card

USAA® Rate Advantage Visa Platinum® Card

USAA® Rate Advantage Visa Platinum® Card

on USAA's secure website

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

  • Special Benefits for Military: Reduced Rate: Get 4% APR on all balances for up to 12 months during deployment or PCS. After 12 months, the variable Regular APR of between 9.15% to 26.15% will apply. This rate will vary with the market based on the prime rate. Special 4% SCRA Rate: When you have a balance on your account at the time you enter active military duty, get 4% APR on that existing balance until one year after you complete active duty.

  • Security Benefits: Chip card technology has added security when used at a chip-enabled terminal and greater acceptance worldwide. Zero liability coverage for unauthorized transactions if your card is lost or stolen. Collision damage waiver coverage pays for physical damage and theft to most rental vehicles. Get account balances and transaction history by sending a text message. Access your account on or from a mobile device.

Rates, fees & offers

  • Annual fee


  • Rewards rate


  • Bonus offer


  • Intro APR


  • Ongoing Apr

    APR: 9.15% - 26.15% Variable APR

    Cash Advance APR: 9.15% - 26.15% Variable

  • Balance Transfer Fee

    Up to 3%

  • Foreign Transaction Fee


Recommended credit score

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NerdWallet Review

By Melissa Lambarena

Rating Details


Editor's overall rating

Pros and Cons

  • No annual fee

  • No foreign transaction fee

  • 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:

--The ongoing APR is 9.15% - 26.15% Variable APR.

--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.

For more information, check out NerdWallet’s full review.

User Reviews

Rating Details

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