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USAA Rate Advantage Credit Card: A great low-interest credit card if you qualify

 /  8 min
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Snapshot

3.0

Bankrate rating
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Rating: 3 stars out of 5

Bottom line

The low end of this card’s variable APR range makes it a great low-interest credit card. But it doesn’t offer rewards and is not widely available to the public. And even if you qualify for the card, you may end up with a higher interest rate than some credit cards that offer rewards.

Recommended credit score:(670 - 850)
Apply nowLock

on USAA's secure site

See Rates & Fees

Intro offer

N/A

Rewards Rate

N/A

Annual fee

$0

Regular APR

11.15% to 25.15% variable

3.0

Bankrate score

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USAA Rate Advantage Credit Card Overview

What are the advantages and disadvantages?

Pros

  • Checkmark Icon

    With one of the lower APRs available for those who qualify, this card can help minimize credit card debt if you tend to carry a balance on your card.

  • Checkmark Icon

    This card charges no annual fee or foreign transaction fees, especially beneficial since you won't be able to offset added costs with rewards.

  • Checkmark Icon

    For a no-annual-fee card, it offers terrific travel protections like trip cancellation and interruption coverage.

Cons

  • If you don’t qualify for the low end of the card’s variable APR range, you could end up paying a lot in interest charges.

  • You won't be able to take advantage of perks like a sign-up bonus or a rewards structure, unlike other credit cards.

  • While it has a balance transfer offer, it doesn’t have a purchase intro APR offer.

A deeper look into the current card offer

Other cardholder perks

Rates and fees

How the USAA Rate Advantage card compares to other low-interest cards

Image of USAA Rate Advantage Credit Card

Annual fee

$0

Intro offer

N/A

Rewards rate

N/A

Recommended Credit Score

Good to Excellent (670 – 850)
Info Icon
Image of Titanium Rewards Visa® Signature Credit Card

Titanium Rewards Visa® Signature Credit Card

Bankrate Score
Rating: 0 stars out of 5
0.0

Annual fee

N/A

Intro offer

N/A

Rewards rate

N/A

Recommended Credit Score

Good to Excellent (670 – 850)
Info Icon
Image of Wells Fargo Active Cash® Card

Annual fee

$0

Intro offer

$200 cash rewards
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Rewards rate

2%
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Recommended Credit Score

Good to Excellent (670 – 850)
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Bankrate’s Take: Is the USAA Rate Advantage Credit Card worth it?

Written by
Robert Thorpe
Editor, Personal Finance
Most recently before joining Bankrate, Robert worked as an editor and writer at The Ascent by The Motley Fool, covering a number of personal finance topics, including credit cards, mortgages and loans.
Edited by Senior Editor, Credit Cards

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.