USAA Rate Advantage Visa Platinum
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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
No welcome offer. The USAA Rate Advantage is positioned as a low-APR / balance-transfer card with a 15-month 0% intro APR on balance transfers and convenience checks, plus one of the lowest go-to variable APR ranges in the market for qualifying applicants.
Earning Rates
Perks & memberships
1- No foreign feesNo foreign transaction fees
Travel & purchase protections
2- 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
More benefits & fine print (5)ShowHide
- 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
- Late payment fee and returned-payment fee both capped at $35
- 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
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View OfferAffiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
