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USAA® Rate Advantage Visa Platinum® Card

USAA® Rate Advantage Visa Platinum® Card

 

Rated 4/5 stars by our editorial team

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Your Rating:

4.0/5.0 from 3 Offer Ratings
Over the Past 60 Days!

(3) Over the Past 60 Days!

  • Regular Purchase APR 8.90% - 25.90% Variable
  • Intro Purchase APR N/A
  • Intro BT APR N/A
  • Annual Fee $0
  • Credit Needed

    Excellent/Good

  • Card Brand Visa®

Card Details

Highlights

  • Click "APPLY NOW" to apply online
  • 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
  • See Rates & Fees

Card Fees

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

Ongoing Information

Rewards Rate None

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 Yes

Concierge Service No

Expert Reviews

From the CompareCards.com Editorial Team

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 8.90% - 25.90% 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.

Expert Reviews of the USAA® Rate Advantage Visa Platinum® Card

  • 5.0

    Regular APR

  • 0.0

    Intro APR

  • 4.0

    Fees

  • 3.0

    Benefits

  • star rating 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. 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 .

Consumer Reviews

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Offer Rating

4.0/5.0

3 Total Ratings

5 Star
 
 
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(3)
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