USAA Rate Advantage Platinum Visa®


For People with
Good Credit

The USAA Rate Advantage Platinum Visa® offers special benefits for military members.

USAA cards are only available to members of the military, active or honorably discharged, as well as certain members of their family. Click here for details on USAA eligibility.

Card Quick Facts

Card Quick Facts

  • 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

For People with
Good Credit

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

This card does not offer rewards.
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee $0
Regular Purchase APR 9.15%–26.15% Variable
Intro Purchase APR -
Foreign Transaction Fee 0%
Chip Technology Chip-and-Signature & Chip-and-PIN
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR None
Late Fee Up to $35
Returned Payment Fee Up to $35
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 9.15%–26.15% Variable
Balance Transfer Fee 3%
Cash Advances

Cash Advances

Cash Advance APR 9.15%–26.15% Variable
Cash Advance Fee 3%

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

Military Benefits

You may or may not qualify for some of these benefits; click here to learn more and see if you qualify.

  • Servicemembers Civil Relief Act (SCRA)

    The SCRA provides help to active-duty service members, and includes benefits like protection for life insurance policies and reduced interest rates on debts incurred before beginning active duty. USAA will provide an interest rate of 4% for pre-existing USAA credit card debt and loans, and a rate of 6% for other debts like credit cards, mortgages, auto loans, and others.

  • Qualifying Campaign Level

    Members who receive a qualifying campaign medal can receive a rebate for all of the interest incurred during their campaign. The qualifying campaign medals include the Global War on Terrorism Expeditionary Medal, the Iraq Campaign Medal, and the Afghanistan Campaign Medal.

  • Identity Theft Resolution Services

    If you become a victim of identity theft, this service provides help with contacting the credit bureaus, getting a new credit card, and going through the proper legal proceedings.

  • Identity Fraud Expense Reimbursement

    You won’t be held liable for unauthorized charges as a result of identity fraud.

  • Price Protection

    If you find an item you bought being advertised for a lower price within 120 days of the purchase, you could be reimbursed for the price difference (up to $250 per claim, up to 4 claims per year).

  • Extended Warranty

    Doubles the manufacturer’s original warranty, up to a maximum of 2 years for most items.

  • Satisfaction Guarantee Coverage

    If you’re not satisfied with an eligible purchase and the retailer won’t take it back, you may be able to be reimbursed for the cost.

  • Travel Assistance Services

    Available when traveling 100 miles or more from home, provides help like information on travel requirements, locating documents or lost items, or arranging emergency money transfers.

  • Worldwide Automatic Travel Accident and Baggage Delay Insurance

    Provides insurance in case of a tragic accident, funds to reimburse purchases if your bags are delayed, and reimbursement if your trip is interrupted for eligible reasons.

  • Rental Car Insurance

    Provides coverage against damage and theft of rental vehicles, as long as the rental company’s own insurance is declined.

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