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USAA Rate Advantage Visa Platinum® Card

USAA Rate Advantage Visa Platinum® Card

One of the Lowest Interest Rates

USAA Rate Advantage Visa Platinum® Card
  • Regular Purchase APR 6.9% to 23.9% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 6.9% to 23.9% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 6.9% to 23.9% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • Pay no foreign transaction fees when you travel outside the U.S.
  • Get free collision damage waiver coverage to pay for physical damage and theft to most vehicle rentals
  • Extend your manufacturer's or U.S. store-brand warranties
  • No annual fee
Rates & Fees
  • Regular Purchase APR: 6.9% to 23.9% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 6.9% to 23.9% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: 3% of the amount of each transfer
  • Cash Advance APR: 6.9% to 23.9% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: 3% of the amount of each cash advance. Fee waived when transferring funds electronically to a USAA deposit account
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $35
Credit Card Deals
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The London Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% when you purchase your Go Barcelona Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% when you purchase your Go Bangkok Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

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At a Glance

The USAA Rate Advantage Visa Platinum® Card offers cardholders low rates on purchases, balance transfers, and cash advances. They can also take advantage of no foreign transaction fees, no annual fee, and no penalty APR. USAA is a credit union geared not only towards memerbs of the U.S. armed forces, but also to their families – making the USAA Rate Advantage Visa Platinum® a great basic rewards card for a wide-ranging group of individuals.

Ideal for Those Who:

  • Are in the U.S. military or are related to someone in the U.S. military
  • Want low rates for purchases, balance transfers, or cash advances
  • Want no annual fee
  • Want no foreign transaction fees

USAA Rate Advantage Visa Platinum® Card Review

Cardholders interested in low rates for purchases, balance transfers, and cash advances will get great value from the USAA Rate Advantage Visa Platinum® Card. The variable interest rate goes up or down based on the prime rate. Members of the military on deployment/PCS can receive 4% APR on all balances for up to 12 months. If they have a balance on their account when they’re entering active military duty they’ll get 4% APR on that existing balance until one year after they complete active duty. Aside from low rates, cardholders can enjoy no penalty APR, no annual fee, and no foreign transaction fees. USAA Rate Advantage Visa Platinum® cardholders can also get free collision damage waiver coverage in the event of physical damage or theft to a rental vehicle.