USAA Rate Advantage Visa® Platinum Credit Card

The USAA Rate Advantage Visa® Platinum Credit Card is a potentially low-interest card designed for those who carry a balance. There are no rewards and no welcome offer. There is a 0% introductory APR on balance transfers for the first 15 months. However, there is also a balance transfer fee, which is on the high side. Keep in mind that only those with excellent credit will qualify for the best rate, and if you have excellent credit, there are better options available. You must qualify for membership with USAA as well. We dive into the details and your approval odds in this USAA Rate Advantage review.

USAA Rate Advantage Visa Platinum Credit Card

Our Rating

3.5/5.0

Welcome Offer

N/a

Annual Fee

$0

0% on Purchases

N/a

Reward Rate

N/A

0% on Balance Transfers

15 months

Welcome Offer

None

Features & Benefits

SecurityEMV Chip Enabled, Zero Liability, Alerts
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
BenefitsExtended Warranty Coverage, 24/7 customer service
Travel PerksAuto Rental Collision Damage Waiver, Luggage Protection, Travel Accident Insurance, Trip Cancellation Insurance

Rewards

Interest Rates & Fees

Annual Fee$0
Foreign Transaction FeeNone
Regular APR12.15% to 29.15% (V) APR
Balance Transfers0% Intro APR for 15 months on balance transfers, then 12.15% to 29.15%(V) APR after that.
Balance Transfer Fee5% of the amount of each balance transfer

Insurance

Trip Cancellation and Interruption Insurance

You’re covered for up to $1,500 per covered person, for non-refundable prepaid passenger fare, when your travel is interrupted or canceled. This coverage is available when you buy your ticket with your card. If your travel is canceled or interrupted, you may be reimbursed for your non-refundable prepaid passenger fare. The cancellation must be due to a covered reason, such as an illness or accident affecting you or another family member that prevents you from traveling, or a change in military orders. See Credit Card Benefits Guide.

Extended Warranty

Extends the time period of the U.S. manufacturer’s warranty on items purchased with your card. Get up to an additional year of coverage.

With this protection, you can extend an original manufacturer’s warranty of three years or less, up to one additional year. Plus, no more hunting through your file drawers for warranties and receipts. Simply register your products to keep your information handy.

See Credit Card Benefits Guide.

Lost Baggage Insurance

If your checked baggage is delayed, you can be reimbursed up to $100 a day, for up to three days. Get the essentials you need such as clothing or toiletries while waiting for your baggage to arrive.

You may be reimbursed for the essential items you buy when your baggage is delayed for four or more hours. Covered items include toiletries, clothing and device chargers. To be eligible, pay for your passenger fare with your credit card and report delayed baggage to your travel supplier.

See Credit Card Benefits Guide.

What Credit Score Is Required to Get the USAA Rate Advantage Visa® Platinum Credit Card

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.

App StatusDateCredit ScoreBureauCredit Limit
Approved11/09/2023
738
Experian
$20,000
Approved11/09/2023
764
Experian
$20,000
Approved11/09/2023
764
TransUnion
$20,000
Approved11/09/2023
797
Equifax
$20,000
Approved02/24/2023
736
Experian
$2,500

Pros & Cons

Pros
  • No annual fee
  • No foreign transaction fee
  • Potentially low interest rate
Cons
  • No welcome bonus
  • No rewards

What Are the Best Alternatives?

Wells Fargo Reflect® Card
Wells Fargo Reflect® Card

Rating

4.5

Rewards Range

N/A

Annual Fee

$0

Citi<sup>®</sup> Double Cash Card - 18 month BT offer
Citi® Double Cash Card - 18 month BT offer

Rating

4.9

Rewards Range

1% to 2%

Annual Fee

$0

Capital One SavorOne Cash Rewards Credit Card
Capital One SavorOne Cash Rewards Credit Card

Rating

4.5

Rewards Range

1% -10%

Annual Fee

$0

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