USAA Secured Card® Platinum Visa®

The USAA Secured Card Visa Platinum® has been discontinued for new applicants. USAA will eventually release a new secured credit card.

The USAA Secured Card Visa Platinum® helps people with bad credit rebuild and get on the right track. It’s a secured credit card, meaning it requires a security deposit upon account approval.

Your credit limit will be equivalent to the amount you deposit, from $250 to $5,000.

This card allows you to check your VantageScore credit score for free, based on your Experian credit report. And it also allows you to check your actual Experian credit report once per year.

You’ll pay a $35 annual fee to use this card.

USAA credit cards are only available to U.S. servicemembers and their families. Learn more about USAA eligibility here.

There is another similar secured card offered by USAA, the USAA Secured Card® American Express® Card. See how they compare in our review of both cards.
Card Quick Facts

Card Quick Facts

  • Secured credit card.
  • Best for members rebuilding or establishing credit.
  • Determine your own credit limit ($250 to $5,000) with an interest-earning security deposit.
  • Free VantageScore credit score based on your Experian credit report, along with access to a yearly Experian credit report.
  • No foreign transaction fees.
  • $35 annual fee.

Manage My Card

Want to pay a bill or check your balance?

Card Details



This card does not offer rewards.
Card Stats

Card Stats

Annual Fee $35
Additional Cards Annual Fee -
Regular Purchase APR 11.90%–21.90% Variable
Intro Purchase APR -
Foreign Transaction Fee None
Chip Technology Chip-and-Signature & Chip-and-PIN
Minimum Credit Limit $250
Maximum Credit Limit -
Free Credit Score Yes
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 11.90%–21.90% Variable
Balance Transfer Fee 3%, $200 maximum
Cash Advances

Cash Advances

Cash Advance APR 11.90%–21.90% Variable
Cash Advance Fee 3%, $200 maximum

Card Benefits

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

  • Concierge Service

    Call to get personal help with all sorts of tasks, like travel planning, making restaurant reservations, finding hard-to-find items, and finding convenient services nearby, wherever you may happen to be.

  • Free Credit Score and Credit Report

    Get a monthly VantageScore credit score based on your Experian credit report, and yearly access to your actual Experian credit report at no cost to you.

Military Benefits

  • 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, and auto loans.

  • 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 Medal

    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.

  • Zero Liability Protection

    You won’t be held responsible for unauthorized charges to your account (contact customer support immediately if you suspect fraud).

  • Price Protection

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

  • Extended Warranty

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

  • 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.

  • Travel Accident Insurance

    Provides coverage against accidental death and dismemberment while traveling.

  • Baggage Delay Insurance

    Provides reimbursement if your eligible bags are delayed when traveling by common carrier.

  • Trip Cancellation/Interruption Insurance

    Provides reimbursement if your trip is canceled or interrupted for eligible reasons.

  • Rental Car Insurance

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

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