USAA® Rate Advantage Visa Platinum® Card Reviews

Approval Odds

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2.7 out of 5 stars
3 Reviews

From Cardholders in the last year

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ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL

Application Process

3.5 out of 5 stars

Customer Service

3.5 out of 5 stars

2.5 5

Card Details

  • Balance Transfer Intro APR Not Applicable
  • Balance Transfer Regular APR 8.90% - 25.90%* Variable
  • Annual Fee $0
  • Purchase Intro APR Not Applicable
  • Purchase Regular APR 8.90% - 25.90%* Variable
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These reviews were written by current and former cardholders in the last year.

Jan 25, 2018
Disturbingly SLLLOWWW Processing
WillRailroad Cardholder

Kinda' sly there Credit Karma. Your system won't allow a one-star rating. Shame you you.

While USAA customer support is 5-star (even "10-star!). The USAA transactional processing system gets a ONE-STAR rating. By FAR it has to be one of the slowest processing systems I have experienced in numerous years as a credit customer as well as from my professional experience in document management and technical services (IT support, enterprise applications, etc.) and I DO mean SLLLLOWWWW! Transactions can take upwards of one week (and longer in some cases) to resolve from "pending" to "posted" (physically displaying as "Posted" on your account, deducted from available credit). E.g. two payments were accidentally made within one business day from one another (one on one day, the other on the next day). The system processing took over one week to credit our available credit with these two small payments.

Bottom line, there's a "black are", a "blind spot," that can exist with either transactions or payments where you will NOT have a record of either for days, again, sometimes over a week. USAA management acknowledged this. That same management actually had to reach out to USAA it to resolve questions regarding nebulous disparities between our credit line and available credit (i.e. USAA management couldn't "see" the unknown transactions/charges either, without consulting with IT).

Others may have had similar experiences with other credit lines and credit cards, I have never experienced processing this slow and cumbersome.

So, if you plan on applying for a USAA credit card, just prep yourself for very slow transaction processing, INCLUDING payments! If you are comfortable with that (I am not) then the customer support really is professional and stellar ... just a very slow, disturbingly slow processing system.

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Jan 19, 2018
This is good card and one should have it
lbhaskar4 Cardholder

This is good card and one should have it This is good card and one should have it This is good card and one should have it

This is good card and one should have it This is good card and one should have it This is good card and one should have it

This is good card and one should have it This is good card and one should have it This is good card and one should have it

This is good card and one should have it This is good card and one should have it This is good card and one should have it

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1 Reply
Aug 23, 2018

Uhhhh we get what you think.

 
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‡ Average score refers to the arithmetic mean and typical low score to the 5th 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 2014 through November 2014. 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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USAA® Rate Advantage Visa Platinum® Card