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5% of the amount of each balance transfer and convenience check
5% of the amount of each Cash Advance. Fee waived when transferring funds electronically to your USAA Bank deposit account.
Additional Card Details
From the CompareCards.com Editorial Team, updated on Nov 17, 2023
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 29.15% 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
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.
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 .