How long does it take to get approved?
9
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USAA Rate Advantage Platinum Visa® ReviewReviews, rates, fees, and customer service info for The USAA Rate Advantage Visa® Platinum Credit Card. Compare to other cards and apply online in secondsJohn Kiernan
WalletHubNo annual feeLow regular APRSpecial 4% military APRNo ongoing rewards
WalletHubNo annual feeLow regular APRSpecial 4% military APRNo ongoing rewardsUSAA Rate Advantage Visa® Platinum Credit Card Reviews
USAA Rate Advantage Visa® Platinum Credit Card Reviews
Info about the USAA Rate Advantage Visa® Platinum Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
APRReviewsFAQContactAPRWalletHub ReviewFAQUser Reviews
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
12.15% - 29.15% (V)
Balance Transfer
0% intro APR for 15 months, 12.15% - 29.15% (V) APR after that
Balance Transfer Fee
WalletHub Review
by John Kiernan
September 8th, 2023
USAA Rate Advantage Visa® Platinum Credit Card Pros & Cons
No annual fee
Low regular APR
Special 4% military APR
No ongoing rewards
USAA Rate Advantage Visa® Platinum Credit Card's Additional Info
| cash advance fee | 5% |
| cash advance APR | 12.15% - 29.15% (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 12/31/2023 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.
Compare The USAA Rate Advantage Visa® Platinum Credit Card vs. Other Cards
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Transfer Intro APR0% for 15 months|Transfer Fee: 5%
Transfer Intro APR0% for 12 billing cycles|Transfer Fee: $0
Transfer Intro APR0% for 18 months|Transfer Fee: 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer
Regular APR12.15% - 29.15% (V)
Regular APR13.5% - 18.00% (V)
Regular APR19.24% - 29.24% (V)
Rewards Rate
Rewards Rate
Rewards Rate
Questions & Answers
Can't find what you are looking for? Submit your question about USAA Rate Advantage Visa® Platinum Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card. In addition, WalletHub independently collected information for some of the cards on this page.
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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 income.
If, at some point, you want to increase your credit limit, you can do so through your online account. After you log in, you...
How much is the USAA Rate Advantage Visa Platinum foreign transaction fee?
0
UpvotesReply
John Miller
The USAA Rate Advantage Visa® Platinum Credit Card foreign transaction fee is $0. This means you won't be charged extra anytime you use the USAA Rate Advantage Visa® Platinum Credit Card outside of the United States. This applies whether it's a purchase at a physical location in a foreign country or an online transaction through an internationally-based merchant.
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USAA Rate Advantage Visa® Platinum Credit Card Reviews
Share your insights and review for the USAA Rate Advantage Visa® Platinum Credit 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 Credit Card Reviews
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Offer last updated: Sep 8th, 2023 at 17:28 ET
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PURCHASE INTRO APR
Not Offered
TRANSFER INTRO APR
0% for 12 billing cycles $0 Transfer Fee
REGULAR APR
13.5% - 18.00% (V)
ANNUAL FEE
$0
REWARDS RATE
1 - 2 points / $1
BONUS OFFER
20,000 points
MINIMUM CREDIT