USAA Rate Advantage Platinum Visa®

Quick View

• Annual Fee $0
• Intro Purchase APR N/A for N/A
• Regular Purchase APR 8.40–25.40% Variable
• Rewards

  None

• Signup Bonus None
• Chip Technology Chip-and-Signature & Chip-and-PIN
  ?
• Foreign Transaction Fee See Terms
• Intro Balance Transfer APR N/A for N/A
• Regular Balance Transfer APR 8.40–25.40% Variable
• Cash Advance APR 8.40–25.40% Variable
• Penalty APR See Terms
• Late Fee See Terms
• Returned Payment Fee See Terms

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.

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.

• Deployment Discount

  Members of the military who are deployed or deploying can have the interest rate on their USAA card reduced to 4% for current balances, new purchases, and cash advances.

• Permanent Change of Station (PCS)

  Active-duty members with permanent change of station can have the interest rate on their USAA card reduced to 4% for current balances, new purchases, and cash advances.

• 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.

Shopping Protections

• 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 Protections

• 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.

Security Benefits

• 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.