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USAA® Secured Card Visa Platinum® Card

USAA® Secured Card Visa Platinum® Card


Rated 3/5 stars by our editorial team

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  • Regular Purchase APR 11.65% - 21.65% Variable
  • Intro Purchase APR N/A
  • Intro BT APR N/A
  • Annual Fee $35
  • Credit Needed


  • Card Brand Visa®

Card Details


  • Click "APPLY NOW" to apply online
  • Best for members rebuilding or establishing credit

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 $35

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 Editorial Team

The USAA® Secured Card Visa Platinum® Card is a solid choice for USAA members with fair/poor credit who are looking to rebuild their credit or establish a credit history for the first time. This card isn't a debit card or prepaid card – it's a secured credit card that reports to the credit bureuas and can help you build credit with responsible use.
With this card, you can determine your own credit limit ($250 to $5,000) with an interest-earning CD. The does have an annual fee of $35, but that's pretty normal for a secured credit card. One great feature of this card is that there is no foreign transaction fees which can save you money when using your card overseas.

Expert Reviews of the USAA® Secured Card Visa Platinum® Card

  • 4.0

    Regular APR

  • 0.0

    Intro APR

  • 3.0


  • 4.0


  • star rating 3.0/5

    Overall Rating

The Bottom Line

The USAA® Secured Card Visa Platinum® Card is a basic secured card designed to help consumers build their credit over time. You can help boost your credit score by using this card and always making on time payments and keeping your balance low.

The Good

There are no foreign transaction fees and no penalty rate – both are great features for a secured credit card. And since this is a Visa Platinum card, you'll be able to use your card everywhere Visa is accepted.

The Not so Good

There is a $35 annual fee, which isn't ideal for a secured credit card.

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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