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.
For People with
Good Credit
Want to pay a bill or check your balance?
A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.
How balance transfers work
Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.
How cash advances workCheck your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.
You may or may not qualify for some of these benefits; click here to learn more and see if you qualify.
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.
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.
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.
You won’t be held liable for unauthorized charges as a result of identity fraud.
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).
Doubles the manufacturer’s original warranty, up to a maximum of 2 years for most items.
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.
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.
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.
Provides coverage against damage and theft of rental vehicles, as long as the rental company’s own insurance is declined.
Not the card for you? Try one of these:
Read more about this card.
Charge cards are different from credit cards: They need to be paid off in full each month, but you may get a higher spending limit. See our favorites here.
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A new survey from Credit Card Insider revealed several credit-related misconceptions around the different factors that make up your credit scores.
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A good mix of credit can potentially help your credit scores. Learn about this credit scoring component and how to achieve the ideal credit mix.
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