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Truist Enjoy Beyond Credit Card vs USAA Rate Advantage Visa Platinum
Both are well-respected travel cards. The Truist Enjoy Beyond Credit Card comes from Truist at $95/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 | Truist Enjoy Beyond Credit Card | USAA Rate Advantage Visa Platinum |
|---|---|---|
| Annual fee | $95 | $0 |
| Sign-up bonus | 30,000 bonus points | None |
| Bonus value (est.) | $300 | $0 |
| Min spend to unlock bonus | $1,500 in 3 mo | $0 in 0 mo |
| Issuer | Truist | USAA |
| Card category | travel | rewards |
| Best earning category (Travel) | 3x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
Truist Enjoy Beyond Credit Card
$95/yr · 30,000 bonus points
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, Truist Enjoy Beyond Credit Card or USAA Rate Advantage Visa Platinum?
- The Truist Enjoy Beyond Credit Card has the bigger bonus, 30,000 bonus points, worth roughly $300, versus None (~$0) on the USAA Rate Advantage Visa Platinum.
- Is the Truist Enjoy Beyond Credit Card's $95 annual fee worth it compared to the USAA Rate Advantage Visa Platinum?
- At $95/yr, the Truist Enjoy Beyond Credit Card is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the USAA Rate Advantage Visa Platinum's, pick the one whose perks you'll actually use.
- Can I have both the Truist Enjoy Beyond Credit Card and USAA Rate Advantage Visa Platinum?
- Yes, since they're from different issuers (Truist 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 Truist Enjoy Beyond Credit Card or the USAA Rate Advantage Visa Platinum first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Truist Enjoy Beyond Credit Card: $1,500 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.