USAA® Rate Advantage Visa Platinum® Card review

Robin Saks Frankel  in  Annual Fee How we rate our cards  | is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. does not include the entire universe of available financial or credit offers.
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Recommended Credit Score

Good to Excellent (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Annual Fee:
Purchase Intro APR:
Regular APR:
6.90% to 23.90% Variable
Terms and Restrictions Apply

This card offer is currently unavailable on Bankrate. To see more cards in this category, please visit our excellent credit category page.


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For those who qualify, the USAA® Rate Advantage Visa Platinum® Card offers one of the lowest variable annual percentage rates of any major issuer in the U.S., and it’s the lowest of any USAA card. The less money you’re paying on interest, the more you have to pay toward your balance.


Military personnel and their family members can benefit from the low rate offered by the USAA® Rate Advantage Visa Platinum® Card. It carries an ultra-low variable APR for those who qualify. But those with just OK or poor credit might get walloped with the high end of the APR range (8.40% – 25.40% variable APR). If you’re offered an APR rate at the higher end of the range, there’s no reason to get this card.

There’s also no penalty APR, so late payments won’t affect your balance.

There’s also another intriguing feature: Like many credit cards, USAA Rate charges a 3% balance transfer fee.

This could be a real boon from someone carrying high-interest debt on another card and can qualify for a lower rate on this card.

Who should own this card

If you tend to carry a balance, but have excellent credit and can qualify for the lowest APR, this card could be an awesome addition to your wallet.

Fees and APR

• 8.40% – 25.40% for variable APR.
• There’s no annual fee.
• You’ll pay a balance transfer fee of 3%
• This card has no foreign transaction fee for purchases made outside the U.S.
• Late payments won’t affect your APR, but you may have to pay a late fee of up to $35.

Extras and perks

If you rent a qualifying car for 15 days or less and pay using your USAA card, you’ll get insurance coverage for physical damage to the car or theft.

With the price protection feature, you may be eligible for a refund to your card of the price difference if you find a lower price on a new item you bought with the card within 60 days of your purchase.

This card offers extended warranty protections up to one year longer than the original manufacturer’s warranty.

Cardholders also receive access to a 24-hour concierge, emergency services including roadside assistance and trip cancellation or interruption insurance.

A complete list of the benefits of this card can be found here.