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USAA Classic Visa Platinum® Credit Card

USAA Classic Visa Platinum® Credit Card


Rated 4/5 stars by our editorial team

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4.0/5.0 from 1 Offer Rating
Over the Past 60 Days!

(1) Over the Past 60 Days!

  • Credit Needed Average
  • APR 18.15% to 24.15%
  • Penalty APR None
  • Annual Fee $35
  • Foreign Exchange Fee None


  • Click "APPLY NOW" to apply online
  • This credit card is best for members with average credit (Opens pop-up layer).
  • Make consistent, on-time payments and you could improve your credit rating — sometimes in as little as 12 months.
  • We'll periodically consider you for an automatic upgrade to a premium credit card based on improved credit and your account history.
  • Use your card to make purchases worldwide.
  • Enjoy no foreign transaction fees when you travel outside of the United States.
  • Collision damage waiver coverage pays for physical damage and theft to most rental vehicles.
  • Identity theft resolutions services provides assistance should you become the victim of identity theft.
  • Extended warranty extends your manufacturers or U.S. store brand warranties for up to one year.

Expert Reviews

From the Editorial Team

If you're a USAA member who is looking for a credit card to help you build credit, this may be the one. The USAA Classic Visa Platinum card is designed for people with average credit, and can help you boost your score with responsible use. 

Expert Reviews of the USAA Classic Visa Platinum® Credit Card

  • 4.0

    Regular APR

  • 4.0

    Intro APR

  • 4.0


  • 4.0


  • star rating 4.0/5

    Overall Rating

The Bottom Line

This is a simple credit card with no rewards and not many benefits, but it reports to the three major credit bureaus, so it is a good tool for people with average credit to improve their credit score.

The Good

There's no foreign transaction fees with this card. That's pretty rare on credit cards for people without great credit.

The Not So Good

There is an annual fee of $35, and you won't be allowed to make any balance transfers or cash advances with this card.

Disclaimer: This content is not provided by the card issuer. Any opinions, analyses, reviews or recommendations on this page have not been reviewed, approved or otherwise endorsed by the card issuer. Terms, offers, conditions and rates were correct at the time of writing but may have changed since and not been updated on this page. For up-to-date terms, offers, rates and conditions, please see the issuer’s site.

Consumer Reviews

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