USAA Rate Advantage Credit Card
USAA Rate Advantage Credit Card
Intro Offer:
Get a 0% intro APR for 15 months on balance transfers, then 12.15% - 29.15% variable regular APR.
Intro Offer:
Get a 0% intro APR for 15 months on balance transfers, then 12.15% - 29.15% variable regular APR.
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
APR on Purchases
12.15% - 29.15% variable
Balance Transfer
0% intro APR for 15 months, 12.15% - 29.15% variable APR after that
Balance Transfer Fee
USAA Rate Advantage Credit Card's Additional Info
Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
Intro Offer: Get a 0% intro APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening. After this time, the variable regular APR of 12.15% to 29.15% will apply to introductory balances.
A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies.
Take advantage of USAA's lowest interest rate card, whether you’re making a purchase or transferring a balance.
Pay less in interest if you carry a balance from month to month.
Enjoy the same low variable regular APR on purchases, balance transfers, and cash advances.
No annual fee.
No foreign transaction fees.
See Rates and Fees for details.
cash advance fee | 5% |
cash advance APR | 12.15% - 29.15% variable |
foreign transaction fee | 0% |
smart chip | Yes, chip-and-signature |
max late fee | $35 |
max overlimit fee | $0 |
max penalty APR | None |
grace period | 25 days |
Editor's ReviewFact checked
USAA Rate Advantage Credit Card Pros & Cons
No annual fee
Low regular APR
No foreign transaction fees
No ongoing rewards
Compare The USAA Rate Advantage Credit Card vs. Popular Alternatives
Questions & Answers
Can't find what you are looking for? Submit your question about USAA Rate Advantage Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
- Most Popular
- Most Upvotes
Is fair credit acceptable for this card?
No, a fair credit score is acceptable for the USAA Rate Advantage Platinum Visa® credit card. You need good credit or better to qualify for this card.
What's the USAA Rate Advantage credit score requirement?
Can I get approval with USAA with a score of 676?
Sure, it's above the minimum requirement, so you've got good chances.
My grandfather was a LT Col and father served 2 years in Army band. Do I qualify?
Do you have to put any money down?
No this is a unsecured credit card.
Can anyone apply for this card?
My father was in the Navy, but he's deceased now. Can I still apply for this card?
What is the USAA Rate Advantage Platinum credit limit?
The credit limit for the USAA Rate Advantage Platinum card is calculated based on your entire credit report, so there is no set limit.
More specifically, a variety of different factors will be taken into account, but the two most important will be your credit history and your disposable income.
If, at some point, you want to increase your credit limit, you can do so through your online account. After you log in, you...
How much is the USAA Rate Advantage Visa Platinum foreign transaction fee?
The USAA Rate Advantage Credit Card foreign transaction fee is 0%. This means you won't be charged extra anytime you use the USAA Rate Advantage Credit Card outside of the United States. This applies whether it's a purchase at a physical location in a foreign country or an online transaction through an internationally-based merchant.
USAA Rate Advantage Credit Card Reviews
Share your insights and review for the USAA Rate Advantage Credit Card
What's Your Rating?
Good enough bank compared to most banks but not really comparable to credit unions. Several occasions that showed the disputes were completely in my favor were awarded to the other person or company in question. I lost several hundreds of dollars because of this... Not putting this because of anger but cause it was blatantly clear that i was in the right. Quick example: company wss on scam alert, showed this to USAA and still lost my money.
One con I noticed too, do not reach over 30 percent then this card would decrease credit score until customer pays on the card.
+ 538 WalletHub users submitted a rating without writing a full review
WalletHub is an independent comparison service.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not the issuer’s responsibility to ensure all posts and/or questions are answered.