USAA Classic Platinum Visa® Reviews

Approval Odds

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3.1 out of 5 stars
9 Reviews

From Cardholders in the last year

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Application Process

4 out of 5 stars

Customer Service

3.5 out of 5 stars

3 5

Card Details

  • Balance Transfer Intro APR Not Applicable
  • Balance Transfer Regular APR 18.65% - 24.65%* Variable
  • Annual Fee $35
  • Purchase Intro APR Not Applicable
  • Purchase Regular APR 18.65% - 24.65%* Variable

Most Helpful Positive Review

Apr 30, 2016
tiffani8592 Cardholder

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.

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Most Helpful Negative Review

Oct 17, 2016
Very poor service from USAA.
Anonymous Cardholder

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

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These reviews were written by current and former cardholders in the last year.

Feb 12, 2017
Terrible customer service
Anonymous Cardholder

USAA posted erronious transactions to my account that could only occur interanlly, yet they refuse to take responsibility.  It is shamefuf they way they bilk veterans!

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Jan 27, 2017
Card is olay
Anonymous Cardholder

I make payments to this card, the money comes out of my account, the payment posts and current balance updates but weeks later my available balance still shows the same thing...Then i'I've never went over my limit but talking to customer service today as to why my available balance balance takes so long to update or why it never updates and was told I have charges still out there & i went over my limit once....Lol....I havent used the card in 1month, only made payments....Smh

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Dec 14, 2016
Stay away from this company!!!!!
lazer0172 Cardholder

Constantly under review when you call in you talk to uneducated employees who will knock down the phone on you instead solving the issues. Stay away worst credit card ever had

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Dec 05, 2016
my3inpink Cardholder

I have this credit card, they reduced my credit limit due to inactivity (my credit score is 830 and I have had this card for 32 years)  I called them requesting to have my redit limit reinstated,  I have got nothing but lies and the run around.  A person with the initials of I.L.,  stated on her notes she had called, she never called, (obviously she is not aware of caller ID or voice mail).  You get no place with USAA service, I can only imagine if I had a fraud or any other type of serious problem.  I would not reccomend USAA to any person.  The is by far the worst customer service I have every received from any company period.

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1 Reply
Dec 14, 2016

Same with me stay away from this company

Nov 10, 2016

I recently opened a checking and savings account with USAA.I had an offer to apply to VISA signature with rewards, I was denied but I was offered this card. Glad I was extended the credit!

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Oct 24, 2016
I got approved!
Kang85 Cardholder

I applied for this card in September TU:602 EQ:591. I was a member with USAA for about a year and a half. No problem with the service continuing the path to building credit.

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Oct 17, 2016
Very poor service from USAA.
Anonymous Cardholder

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

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1 Reply
Nov 16, 2016

they do that to your checking and savings as well. Opened them a couple of years back and put about $300 to open them. Used BoA mainly as we were going to transition after deployment. came back to find the accounts closed due to inactivity and the money was used for "account costs".

Jul 04, 2016
USAA Rocks
TxWrangler01 Cardholder

I have nothing to say bad about USAA.  I have been a member for awhile now, but never applied for any credit cards with them.  I went thru a divorce and credit bottomed out on me.  Started last Decemeber to start building it back up after 6 years.  Applied for this card and was approved for $2k, was just raised to $3k after 6 months.  I also applied for reward cards with them.  In April I was approved for $6k on the AMEX Rewards, then just this month went with the tri fecta MasterCard rewards and was approved for $6k.  I also have a car loan of $45k with them.  Intrest rates are ok, but they are my goto place.

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Jun 20, 2016
Great theft protection.
Shan1107 Cardholder

There was suspicious activity on my card and they alerted me and froze my account.  I wasn't responsible for any of it.  They were pleasant and I too use this card to build credit and it works for me.

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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.

USAA Classic Platinum Visa®