How long does it take to get approved?
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USAA® Rate Advantage Visa Platinum® Card
USAA® Rate Advantage Visa Platinum® Card
Info about USAA® Rate Advantage Visa Platinum® Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
APRReviewsQ&AContactAPRWalletHub ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit
Annual Fee
$0
APR on Purchases
11.40% - 28.40% (V)
Balance Transfer
0% intro APR for until October 2024, 11.40% - 28.40% (V) APR after that
Balance Transfer Fee
WalletHub Review
by John Kiernan
March 30th, 2023
USAA® Rate Advantage Visa Platinum® Card Pros & Cons
No membership fees
0% intro APR on balance transfers
No foreign fee
No rewards
No initial rewards bonus
No intro APR on purchases
Balance transfer fee
USAA® Rate Advantage Visa Platinum® Card's Additional Info
| cash advance fee | 3% |
| cash advance APR | 11.40% - 28.40% (V) |
| foreign transaction fee | 0% |
| smart chip | Yes, chip-and-PIN |
| max late fee | $35 |
| max overlimit fee | $0 |
| max penalty APR | None |
| grace period | 25 days |
USAA membership is available to active and former military and their eligible family members.
Your Balance Transfer must post to your account by 06/30/2023 of account opening for the Introductory APR to apply to the transaction.
Security Benefits: Chip card technology has added security when used at a chip-enabled terminal and greater acceptance worldwide. Zero liability coverage for unauthorized transactions if your card is lost or stolen. Collision damage waiver coverage pays for physical damage and theft to most rental vehicles. Get account balances and transaction history by sending a text message. Access your account on usaa.com or from a mobile device.
Travel Benefits: Auto Rental Coverage, Travel Accident Insurance, Trip Cancellation and Interruption Coverage, Baggage Delay and Reimbursement.
Questions & Answers
Can't find what you are looking for? Submit your question about USAA® Rate Advantage Visa Platinum® Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
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Is fair credit acceptable for this card?
7
UpvotesReply
WalletHub
Yes, a fair credit score is acceptable for the USAA Rate Advantage Platinum Visa® credit card.
What's the USAA Rate Advantage credit score requirement?
5
UpvotesReply
Jake Prowitz
Any score around 640 and above will give you a pretty good chance of approval for the USAA Rate Advantage Platinum card.
Can I get approval with USAA with a score of 676?
4
UpvotesReply
Marcia Winters
Sure, it's above the minimum requirement, so you've got good chances.
My grandfather was a LT Col and father served 2 years in Army band. Do I qualify?
3
UpvotesReply
Do you have to put any money down?
3
UpvotesReply
Drickey Jackson
No this is a unsecured credit card.
Can anyone apply for this card?
2
UpvotesReply
My father was in the Navy, but he's deceased now. Can I still apply for this card?
2
UpvotesReply
Robert W Polk
We checked with USAA, and membership can be passed to children. If your father was a member before he passed away, this would extend to you and you will be able to apply for this card.
What is the USAA Rate Advantage Platinum credit limit?
1
UpvoteReply
Sebastian House
The credit limit for the USAA Rate Advantage Platinum card is calculated based on your entire credit report, so there is no set limit.
More specifically, a variety of different factors will be taken into account, but the two most important will be your credit history and your disposable...
How much is the USAA Rate Advantage Visa Platinum foreign transaction fee?
0
UpvotesReply
John Miller
The USAA® Rate Advantage Visa Platinum® Card foreign transaction fee is 0%. This means you won't be charged extra anytime you use the USAA® Rate Advantage Visa Platinum® Card outside of the United States. This applies whether it's a purchase at a physical location in a foreign country or...
Compare The USAA® Rate Advantage Visa Platinum® Card
Purchase Intro APRNot Offered
Purchase Intro APR0% for 15 months
Purchase Intro APR0% up to 21 months from account opening
Transfer Intro APR0% until October 2024|Transfer Fee: 3%
Transfer Intro APR0% for 15 months|Transfer Fee: 3%
Transfer Intro APR0% up to 21 months from account opening on qualifying balance transfers|Transfer Fee: 3% intro for 120 days, then up to 5% (min $5)
Regular APR11.40% - 28.40% (V)
Regular APR19.74% - 29.74% (V)
Regular APR17.74% - 29.74% Variable
Rewards RateNone
Rewards Rate1.5 - 5% Cash Back
Rewards RateNone
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USAA® Rate Advantage Visa Platinum® Card Reviews
Share your insights and review the USAA® Rate Advantage Visa Platinum® Card
3.6
523 reviews
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5 Star Rating
Verified CustomerI pay this card off every month and USAA has always been a great bank and insurance company. Now that I’ve improved my credit I hope to finance a boat with them.
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4 Star Rating
Verified CustomerGood enough bank compared to most banks but not really comparable to credit unions. Several occasions that showed the disputes were completely in my favor were awarded to the other person or company in question. I lost several hundreds of dollars because of this... Not putting this because of anger but cause it was blatantly clear that i was in the right. Quick example: company wss on scam alert, showed this to USAA and still lost my money.
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5 Star Rating
Verified CustomerGreat card and great bank. It’s easy to qualify. I wish it would become an unsecured card after one year. However, it’s a CD-secured card.
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5 Star Rating
Verified CustomerUSAA is a great credit union to be associated with. They are there to help in every financial situation that could arise. 2 thumbs up!
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2 Star Rating
Verified CustomerUsaa is great but this specific card I cannot get a credit increase so that sucks. There are no annual fees so that’s why I am keeping the card.
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4 Star Rating
Verified CustomerHonestly I love this card because of the monthly payback fee is super low like 15 dollars per month low. I prefer this cc over Capital One's credit card whose apr is over 18 percent and it's montly fee is usually 100 dollars. Capital One honestly did not at all did not show any remorse when it came down to Covid-19. Capitalone stopped monthly bill for a whole month. My husband would had to call Capitalone and please request an extension for each month at a time. Unlike USAA they extended the card payment over 3 months.
One con I noticed too, do not reach over 30 percent then this card would decrease credit score until customer pays on the card.
One con I noticed too, do not reach over 30 percent then this card would decrease credit score until customer pays on the card.
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Review USAA® Rate Advantage Visa Platinum® Card
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Offer last updated: Mar 30th, 2023 at 10:37 ET
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PURCHASE INTRO APR
0% for 15 months
TRANSFER INTRO APR
0% for 15 months 3% Transfer Fee
REGULAR APR
19.74% - 29.74% (V)
ANNUAL FEE
$0
REWARDS RATE
1.5 - 5% Cash Back
BONUS OFFER
$200
MINIMUM CREDIT