USAA Classic Visa Platinum®

Cardholders' Choice i
Cardholders' Choice i
APPLY NOW
  • This credit card is best for members with average credit.
  • Use your card to make purchases worldwide.
  • USAA will periodically consider you for an automatic upgrade to a premium credit card based on improved credit and your account history.
  • Special rates are available for military members during deployment or PCS. See terms for additional information.
Annual Fee:
$35
Purchase Intro APR:
N/A
Purchase Regular APR:
18.15% - 24.15%*
Variable
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
18.15% - 24.15%*
Variable

Details, Rates & Fees

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* 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 18.15% - 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
tiffani8592
approved
by tiffani8592
Helpful to 11 out of 11

was denied for this card 8 months ago when my score was in the 590's. was sent a pre-approved offer via email and was approved with a tu-625 exp-625 equ-645. applied and was approved for 2500$. currently have two capital one cards with spending limits of 3k each. Pay cards every month but my utilization is over 30%. 48k in auto loans. just got a new car about 3 months ago. only 1 outstanding bil on credit report. its a utility. havent received the usaa card yet but will use it to mainly pay for my usaa car insurance. was denied a jcpenney store card (synchrony bank) the day before i applied for this card.

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 Negative Review
Anonymous
Very poor service from USAA.
by Anonymous
Helpful to 2 out of 2

When traveling, USAA will often cancel a credit card without notice, leaving their customers stranded.


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† 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 June 2016 through November 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.

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