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BECU Cash Back Credit Card vs USAA Rate Advantage Visa Platinum
Both are well-respected travel cards. The BECU Cash Back Credit Card comes from BECU at $0/yr; the USAA Rate Advantage Visa Platinum from USAA at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | BECU Cash Back Credit Card | USAA Rate Advantage Visa Platinum |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | $200 cash back after $2,000 spend in 3 months | None |
| Bonus value (est.) | $200 | $0 |
| Min spend to unlock bonus | $2,000 in 3 mo | $0 in 0 mo |
| Issuer | BECU | USAA |
| Card category | cashback | rewards |
| Best earning category (All_purchases) | 1.5x | 0x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
BECU Cash Back Credit Card
$0/yr · $200 cash back after $2,000 spend in 3 months
Read the full review
USAA Rate Advantage Visa Platinum
$0/yr · None
Editorial take: USAA Rate Advantage Visa Platinum
Common questions
- Which card has the bigger sign-up bonus, BECU Cash Back Credit Card or USAA Rate Advantage Visa Platinum?
- The BECU Cash Back Credit Card has the bigger bonus, $200 cash back after $2,000 spend in 3 months, worth roughly $200, versus None (~$0) on the USAA Rate Advantage Visa Platinum.
- Is the BECU Cash Back Credit Card's $0 annual fee worth it compared to the USAA Rate Advantage Visa Platinum?
- The BECU Cash Back Credit Card has no annual fee, so the question is whether the USAA Rate Advantage Visa Platinum's $0 fee is justified by its perks. If you'll use enough of the USAA Rate Advantage Visa Platinum's benefits to clear $0 in value annually, it's worth it; otherwise stick with the BECU Cash Back Credit Card.
- Can I have both the BECU Cash Back Credit Card and USAA Rate Advantage Visa Platinum?
- Yes, since they're from different issuers (BECU and USAA) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the BECU Cash Back Credit Card or the USAA Rate Advantage Visa Platinum first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. BECU Cash Back Credit Card: $2,000 spend in 3 months. USAA Rate Advantage Visa Platinum: $0 in 0 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.