Rated 4/5 stars by our editorial team
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4.0/5.0 from 5 Offer Ratings
Over the Past 60 Days!
Foreign Transaction Fee None
Balance Transfer Fee 3% on balance transfers and cash advances; $200 maximum
Cash Advance Fee 3% on balance transfers and cash advances; $200 maximum
Penalty APR None
Rewards Rate None
Annual Fee $0
$0 Fraud Liability Yes
Auto Rental Insurance Yes
Extended Warranty Program Yes
Roadside Assistance No
Purchase Protection Yes
Travel Assistance No
Flight Accident Insurance Yes
Lost Luggage Reimbursement Yes
Concierge Service No
The USAA Rate Advantage Visa Platinum® Card is a great credit card for anyone with excellent/good credit who is simply looking for a no-frills card with the lowest possible interest rate. It's extremely rare to find a credit card with APRs in the single digits nowadays, but this card offers 8.40% - 25.40% Variable APR on purchases and balance transfers.
There is no specific rewards program with this card, but that's pretty typical with cards that focus on prodiving extra-low interest rates. The USAA Rate Advantage Visa Platinum® Card does come with a few other helpful perks though such as $0 annual fee, no foreign transaction fees, and no penalty rate. Plus, since it's a Visa card you will have peace of mind knowing that you'll be able to use your card anywhere in the world where Visa is accepted.
Credit cards don't get much simpler than this. There's no fancy rewards program, but cardholders could potentially save a lot of money with the extremely low interest rates offered on this card.
You'll be hard-pressed to find a card with a lower ongoing APR for purchases, balance transfers, and cash advances. Plus there's no annual fee, no foreign transaction fees and no penalty rate.
If you want to earn rewards on your purchases, this card isn't for you. Also, there is no intro APR.
Editorial Note: This content is not provided by USAA . Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by USAA .
5 Total Ratings