USAA Rate Advantage Visa Platinum®

APPLY NOW
  • Variable rates as low as 7.15% APR on purchases, balance transfers and cash advances.
  • You are not liable for unauthorized purchases.
  • Travel accident insurance provides coverage for you and your family members when your card is used to purchase common carrier travel tickets
Annual Fee:
$0
Purchase Intro APR:
N/A
Purchase Regular APR:
7.15% - 24.15%*
Variable
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
7.15% - 24.15%*
Variable

Details, Rates & Fees

Click here for Additional Details

(Will launch in a new browser window)

* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 7.15% - 24.15%* Variable
Cash Advance Fee 3%
Late Fee Up to $35
Penalty APR None
Balance Transfer Fee 3%
Foreign Transaction Fee None
Return Payment Fee Up to $35

Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
jamg2014
Approved for $2k while rebuilding credit
by jamg2014
Helpful to 4 out of 4

I've been in process of repairing my credit after an ex used my social to wreak havoc with my personal finances. Even though thsi has been all determined as fraud, it's still taken a few years to repair the damamge and I'm still recovering. That said, my husband has ahd a long family history with USAA and always been happy with their services. We created me an account and during research of financial services, I received a "pre-approval" offer for the Rate Advantage Visa. FICO eq 616 ex 618 tu 620 & with a 5 minute application process I was approved for a $2000 cl on this card. Honestly was not expecting this limit because my other 2 cards are with Capital One with a combined cl of $700 between my Quicksilver & my Platinum cards. This is my first card with any real usable limit and even though it weill be a few days before my card gets here, it's a real relief to have usable credit. 

Do not be discouraged to apply. USAA has a long history of taking care of their members and if I can get approved with low 600's, 4 old medical bills in collections, 75% avg utilization, almost 10 hard inquiries & a 3yr average credit history, than almost anyone who isn't bottomed out should get approved.

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Review
jamg2014
Approved for $2k while rebuilding credit
by jamg2014
Helpful to 4 out of 4

I've been in process of repairing my credit after an ex used my social to wreak havoc with my personal finances. Even though thsi has been all determined as fraud, it's still taken a few years to repair the damamge and I'm still recovering. That said, my husband has ahd a long family history with USAA and always been happy with their services. We created me an account and during research of financial services, I received a "pre-approval" offer for the Rate Advantage Visa. FICO eq 616 ex 618 tu 620 & with a 5 minute application process I was approved for a $2000 cl on this card. Honestly was not expecting this limit because my other 2 cards are with Capital One with a combined cl of $700 between my Quicksilver & my Platinum cards. This is my first card with any real usable limit and even though it weill be a few days before my card gets here, it's a real relief to have usable credit. 

Do not be discouraged to apply. USAA has a long history of taking care of their members and if I can get approved with low 600's, 4 old medical bills in collections, 75% avg utilization, almost 10 hard inquiries & a 3yr average credit history, than almost anyone who isn't bottomed out should get approved.


Similar Offers

† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from March 2016 through August 2016. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

My Saved Cards
Title
Welcome to My Saved Cards
Save and compare credit cards to find the best fit for you. All you need to do is find cards you like and check the Compare This Card box. When you’re ready to review, click the compare button that appears in this menu.