USAA Rate Advantage Credit Card | CompareCards.com

USAA Rate Advantage Credit Card

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USAA Rate Advantage Credit Card

 

Rated 4/5.0 stars by our editorial team

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  • Regular Purchase APR 12.15% to 27.15% variable
  • Intro Purchase APR None
  • Intro BT APR 0% intro APR for 15 months on balance transfers, then 12.15% to 27.15% variable regular APR
  • Annual Fee $0
  • Credit Needed Good/Excellent
  • Card Brand Visa®
  • Regular Purchase APR 12.15% to 27.15% variable
  • Intro Purchase APR None
  • Intro BT APR 0% intro APR for 15 months on balance transfers, then 12.15% to 27.15% variable regular APR
  • Annual Fee $0
  • Credit Needed Good/Excellent
  • Card Brand Visa®

Highlights

  • Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
  • Intro Offer: Get a 0% intro APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening. After this time, the variable regular APR of 12.15% to 27.15% will apply to introductory balances.
  • A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies.
  • Take advantage of USAA's lowest interest rate card, whether you’re making a purchase or transferring a balance.
  • Pay less in interest if you carry a balance from month to month.
  • Enjoy the same low variable regular APR on purchases, balance transfers, and cash advances.
  • No annual fee.
  • No foreign transaction fees.
  • See Rates and Fees for details.
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Card Fees

Foreign Transaction Fee

None

Balance Transfer Fee

5% of the amount of each balance transfer and convenience check

Penalty APR

None

Ongoing Information

Rewards Rate

N/A

Annual Fee

$0

Additional Card Details

$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

No

Concierge Service

No

Expert Reviews

From the CompareCards.com Editorial Team, updated on Apr 22, 2024

The USAA Rate Advantage Credit Card is a great credit card for anyone with  credit who is simply looking for a straightforward card with the lowest possible interest rate. Plus, new cardholders can take advantage of 0% intro APR for 15 months on balance transfers, then 12.15% to 27.15% variable regular APR. 

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 Credit 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.

Expert Reviews of the USAA Rate Advantage Credit Card

  • 5.0

    Regular APR

  • 0.0

    Intro APR

  • 4.0

    Fees

  • 3.0

    Benefits

  • 4.0/5

    Overall Rating

The Bottom Line

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.

The Good

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.

The Not so Good

If you want to earn rewards on your purchases, this card isn't for you.

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.

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YOUR RATING

 

Rated 4/5.0 stars by our editorial team

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4/5.0 from 0 Offer Ratings
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