USAA Rate Advantage Visa Platinum

Earning Rates

Key Benefits

All Benefits

• Issued on the Visa Platinum network
• Membership-gated: must be a USAA member to apply. USAA membership is restricted to current and former U.S. military servicemembers, their spouses, and their dependents
• Earns no rewards on purchases — this is a low-APR card, not a rewards card
• 0% introductory APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening
• Variable go-to APR of ~10.40%-24.40% on purchases, balance transfers, and cash advances (one of the lowest published APR ranges in the U.S. market for borrowers with strong credit)
• No annual fee ($0)
• No foreign transaction fees
• 5% balance transfer fee, 5% cash advance fee, 5% convenience check fee
• Late payment fee and returned-payment fee both capped at $35
• Active-duty servicemembers receive USAA's SCRA benefits, including a 4% APR cap during qualifying military service — combined with USAA's already-low go-to APR, this is one of the friendliest cards for active-duty members carrying a balance
• Visa Platinum benefits: auto rental CDW (secondary U.S.), travel accident insurance, travel and emergency assistance services, roadside dispatch
• Zero-liability fraud protection on unauthorized transactions
• Reports to all three major credit bureaus monthly
• Best-use case: parking a balance during a debt paydown, or carrying low-cost revolving credit when an emergency or deployment-related expense hits — not for everyday spend
• Not Offered: no sign-up bonus
• Not Offered: no rewards / points / cash back on purchases
• Not Offered: no purchase protection or extended warranty (Visa Platinum tier, not Signature)
• Not Offered: no cell phone protection
• Not Offered: no airport lounge access, no Global Entry / TSA PreCheck credit, no travel statement credits