Credit Card Review & Application

USAA Rate Advantage Platinum Visa credit card


out of 5

- Enjoy our lowest rate card.
- Pay no annual, penalty APR or foreign transaction fees - Get travel and retail benefits
- No annual fee
- Variable rates are 7.40% to 24.40% APR on purchases, balance transfers and cash advances.

Introductory APR: N/A*
Introductory Period: N/A
APR on Purchases: 7.40% to 24.40% (variable)*
Annual Fee: N/A*
Card Issuer: USAA Bank
Card Network: VISA®
Card Category: Consumer (Premium)
Card Type: - Instant Decision Card
- Low Interest Credit Card
- Military Credit Card
Credit Needed: Fair*

See Terms and Conditions of USAA Rate Advantage Platinum Visa credit card for other fees, benefist and rewards

The review prepared by . Opinions expressed therein are solely those of the reviewer.

Other Benefits: Special Benefits for Military
- Reduced Rate: Get 4% APR on all balances for up to 12 months during deployment or PCS. After 12 months, the regular APR of between 7.40% and 24.40% will apply. This rate will vary with the market based on the prime rate
- Special 4% SCRA Rate: When you have a balance on your account at the time you enter active military duty, get 4% APR on that existing balance until one year after you complete active duty.

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 or from a mobile device.

*See Terms and Conditions of the card for other benefits
Comments: * - Credit Needed: Good 700-739 & Fair 660-699
** - There is a transaction fee of 3% on balance transfers and cash advances ($200 maximum on each balance transfer and each convenience check). Cash Advance Fee is waived when you transfer funds electronically from your USAA credit card to your USAA Bank deposit account. The APR will vary with the market based on the Prime Rate.
Online Account Access: Yes
Introductory APR: N/A*
Introductory Period: N/A*
APR on Purchases: 7.40% to 24.40% (variable)*
Annual Fee: N/A*
Grace Period: 25 days*
Min Finance Charge: $0.00
Late Payment Fee: N/A*
Over Limit Fee: $0.00
Balance Transfer: Yes
Transfer Fee (%): 3.00%
Maximum Fee: $200.00
APR Cash Advances: See Terms
Cash Advance Fee: 3.00%
Maximum Fee: $200.00

We do not offer online application for this card at the moment.

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† The information provided for USAA Rate Advantage Platinum Visa® credit card is believed to be accurate at the time of evaluation (Apr 30, 2017). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.

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