USAA® Rate Advantage Visa Platinum® Card

  • Enjoy USAA's lowest rate card
  • No annual fee, no foreign transaction fees, no penalty APR
  • USAA membership is available to active and former military and their eligible family members
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Excellent Credit, Good Credit Personal $0 None N/A* 6.90%* - 23.90%* None

USAA® Rate Advantage Visa Platinum® Card Quick Summary:
This Visa offer is issued by USAA Savings Bank. This card is intended for consumers, or "personal use" with a nearly perfect credit history. Rates may vary among applicants, however the lowest standard APR is 6.90%* and may be as high as 23.90%* (Variable)*, depending on your credit worthiness*.

Important Rates:
There is not an introductory APR for this card, so the lowest or standard rate may apply immediately or after the grace period for eligible purchases. There is no annual fee for this card.*

This is not a rewards card.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a great or nearly perfect credit record. A FICO credit score of 771 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any USAA Savings Bank product.

Other Basics:
This card contains the brand of Visa, where acceptance is global. Most businesses that accept credit cards will accept Visa as a form of payment (subject to available credit).

Other Remarks:
  • Special Benefits for Military: Reduced Rate: Get 4% APR on all balances for up to 12 months during deployment or PCS. After 12 months, the variable Regular APR of between 9.15% to 26.15% will apply. This rate will vary with the market based on the prime rate. Special 4% SCRA Rate: When you have a balance on your account at the time you enter active military duty, get 4% APR on that existing balance until one year after you complete active duty.
  • Security Benefits: Chip card technology has added security when used at a chip-enabled terminal and greater acceptance worldwide. Zero liability coverage for unauthorized transactions if your card is lost or stolen. Collision damage waiver coverage pays for physical damage and theft to most rental vehicles. Get account balances and transaction history by sending a text message. Access your account on or from a mobile device.

Our Editor's Commentary:
If you have good to excellent credit and are a member of the military, family member of somebody who serves, or veteran, you want to learn more about the finer details of the USAA® Rate Advantage Visa Platinum® Card.

The top benefit of this credit card is its free travel and retail benefits, such as rental car collision damage coverage and extended warranty coverage. Along with this, there is no annual fee and a competitive APR.

Add in chip technology for security and mobile features for convenience, and you can understand why the USAA® Rate Advantage Visa Platinum® Card deserves your attention.

Approval Rate:
Currently, we have no applicant results in our system. You can be the first one to help by submitting your application results to assist other applicants before they apply for this card.

There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. Furthermore, if your FICO score is close to or higher than 771, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.

Community Opinion:
There are no reviews. If you have experience, you can write one now.
It's fast and easy to compare card offers by the criteria you require. That way you get the best card for your needs. Find more credit cards.