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Side-by-side
Upgrade Triple Cash Rewards Visa vs USAA Rate Advantage Visa Platinum
Both are well-respected travel cards. The Upgrade Triple Cash Rewards Visa comes from Upgrade 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 | Upgrade Triple Cash Rewards Visa | USAA Rate Advantage Visa Platinum |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | $200 statement bonus | None |
| Bonus value (est.) | $200 | $0 |
| Min spend to unlock bonus | $0 in 2 mo | $0 in 0 mo |
| Issuer | Upgrade | USAA |
| Card category | cash-back | rewards |
| Best earning category (Home_purchases) | 3x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
Upgrade Triple Cash Rewards Visa
$0/yr · $200 statement bonus
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, Upgrade Triple Cash Rewards Visa or USAA Rate Advantage Visa Platinum?
- The Upgrade Triple Cash Rewards Visa has the bigger bonus, $200 statement bonus, worth roughly $200, versus None (~$0) on the USAA Rate Advantage Visa Platinum.
- Is the Upgrade Triple Cash Rewards Visa's $0 annual fee worth it compared to the USAA Rate Advantage Visa Platinum?
- The Upgrade Triple Cash Rewards Visa 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 Upgrade Triple Cash Rewards Visa.
- Can I have both the Upgrade Triple Cash Rewards Visa and USAA Rate Advantage Visa Platinum?
- Yes, since they're from different issuers (Upgrade 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 Upgrade Triple Cash Rewards Visa or the USAA Rate Advantage Visa Platinum first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Upgrade Triple Cash Rewards Visa: $0 spend in 2 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.