USAA Rate Advantage Platinum Visa Credit Card Review: Fees, Offers, and Rewards

The USAA Rate Advantage Platinum Visa Credit Card is a solid choice for those looking for a low-interest credit card with rewards. It has a variable APR of 12.99% - 22.99% (Variable), which is competitive with other cards on the market.

The card also offers a 0% Intro APR for 12 billing cycles on purchases and balance transfers, which can be a huge help if you need to make a large purchase or pay off existing debt. This introductory period can save you a significant amount of money in interest charges.

The card has no annual fee, which is a major plus for anyone who wants to avoid paying extra just for the privilege of using the card. This makes it a great option for those who want to use a credit card without breaking the bank.

Overall, the USAA Rate Advantage Platinum Visa Credit Card is a reliable choice for those who want a low-interest credit card with rewards.

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The USAA Rate Advantage Visa Platinum Credit Card has a range of fees and offers that are worth considering. The annual fee is $0, making it a great option for those who want to avoid extra costs.

The card doesn't charge foreign transaction fees, which is a huge plus for anyone who travels abroad. You won't be charged extra anytime you use the card outside of the US.

Here are some key fees and offers to keep in mind:

Overall, the USAA Rate Advantage Visa Platinum Credit Card offers a solid balance of fees and offers that make it a great option for those who want a straightforward and hassle-free credit card experience.

We review credit cards with a focus on both the numbers and the ease of use. Our methodology considers quantitative features like fees and interest rates, as well as qualitative factors like the simplicity of the rewards structure.

We examine the cash value of benefits and perks, and whether a card is well-suited for everyday use. This helps us understand how easy it is for a typical cardholder to get good value from the card.

Our star ratings serve as a general gauge of how each card compares with others in its class.

The USAA Rate Advantage Visa Platinum Card is a great option for those looking to avoid fees. The annual fee is $0, which is a huge plus.

One of the standout features of this card is the lack of foreign transaction fees. You won't be charged extra anytime you use the card outside of the United States.

Here are the key fee details at a glance:

The welcome offer is a great way to get started with a new credit card. The USAA Rate Advantage Visa Platinum Credit Card offers an introductory 0% APR on balance transfers and convenience checks for the first 15 months of card ownership.

You'll need to make sure the balance transfers or convenience checks post in the first 90 days from account opening to qualify. This can be a big help for people who need to pay off debt or cover unexpected expenses.

The card charges a 5% balance transfer fee, so be aware of that when you're making your decision. The interest rate after the introductory period can be quite high, ranging from 11.40% to 25.40% depending on your credit history.

The USAA Rate Advantage Visa Platinum Credit Card offers some great benefits and rewards, despite being a no-annual-fee card.

You get standard travel and shopping protections, including travel accident insurance and extended warranty protection on U.S. manufacturers' warranties.

One of the standout features is the lack of foreign transaction fees, making it a great option for international travelers.

However, it's worth noting that this card doesn't earn any rewards on purchases, so you won't get points or cash back for using it.

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The USAA Rate Advantage Visa Platinum Card has a potentially low ongoing APR if you qualify, but there's no guarantee you'll get the lowest rate. Credit card interest rates can easily exceed 20%, which is much higher than the card's advertised rate.

The advertised rate is lower than what you'd typically find, but it's not a guarantee. This is a key factor to consider when deciding whether to apply for the card.

If you do qualify for the lowest APR, it could save you money on interest charges over time. However, if you don't qualify, you might end up with a higher APR than you'd find with other credit cards.

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The USAA Rate Advantage Credit Card offers standard travel and shopping protections, including travel accident insurance and extended warranty protection on U.S. manufacturers' warranties.

One of the standout features of this card is that it comes with no foreign transaction fees, making it a great option for international travel.

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Travel protections and no foreign transaction fee are nice features for a card with no annual fee.

The card doesn't earn any rewards when you spend with it, so it's not ideal for everyday purchases or earning points.

Its ideal use case is paying off debt on other cards via balance transfers, making it a great tool for consolidating debt.

Earning rewards with the right credit card can be a game-changer for your finances. However, it's essential to use your card strategically.

The USAA Rate Advantage Visa Platinum Credit Card isn't designed for making purchases directly, so you shouldn't rely on it for that purpose. Instead, use it for balance transfers from other issuers to pay off debt with 0% APR for 15 months, saving you money on interest.

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The USAA Rate Advantage Platinum Visa Credit Card has some great features, but it's essential to consider the pros and cons before applying.

One of the main advantages of this card is that it has no annual fee, which can save you money in the long run. It also has a low regular APR, making it a good option for those who carry a balance.

However, if you're looking for a low ongoing interest rate, you may find better options elsewhere. The card's balance transfer fee is also relatively high, which could add up quickly.

Here are the key pros and cons of the USAA Rate Advantage Platinum Visa Credit Card:

The USAA Rate Advantage Credit Card has its pros and cons. It offers a low regular APR, which can be beneficial for those who carry a balance.

There's no annual fee, which means you won't have to pay extra just for having the card. No foreign transaction fee is also a plus, especially if you travel abroad.

However, the high balance transfer fee is a drawback. If you're planning to transfer a balance, be aware that you'll have to pay 5% of the amount, which can be substantial.

The card also doesn't offer an intro APR on purchases, which might be a disappointment for those who want to finance a large purchase. Consider the U.S. Bank Visa Platinum Card, which offers an intro 0% APR for 18 billing cycles.

Additionally, USAA membership isn't available to everyone, which might limit who can apply for the card. The lack of a rewards program is also worth considering, especially if you're not planning to transfer a balance.

Here's a summary of the pros and cons:

The credit limit for the USAA Rate Advantage Platinum card is calculated based on your entire credit report, so there is no set limit.

Your credit history is one of the two most important factors considered in determining your credit limit, so maintaining a good credit score can have a positive impact.

Your disposable income is the other key factor in determining your credit limit, so lenders will consider how much money you have available each month to pay off your debt.

If you want to increase your credit limit, you can do so through your online account after logging in.

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A score of 676 is above the minimum requirement for approval with USAA, giving you good chances. You can get approval with a credit score of 676.

USAA's approval standards are relatively lenient, allowing you to get approved with a score of 676. This means you can apply for credit or a loan with confidence.

If you're planning to apply for a loan or credit with USAA, a score of 676 is a good starting point. It's essential to review your credit report and work on improving your score if possible.

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The USAA Rate Advantage Platinum Visa Credit Card is a great option for those looking for a low-cost credit card with a competitive interest rate. It has a 3.2 WalletHub Rating, which is lower than some of its competitors.

One of the key features of the USAA Rate Advantage Platinum Visa Credit Card is its 0% intro APR for 15 months on balance transfers, which can be a huge help for those looking to pay off debt. The regular balance transfer rate is 11.40% to 25.40% variable, which is relatively high compared to some other cards.

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The USAA Rate Advantage Platinum Visa Credit Card also has a 5% balance transfer fee, which is higher than some of its competitors. However, the card has no annual fee, which can be a big plus for those who want to avoid extra charges.

If you're looking for a card with a longer 0% intro APR period, you may want to consider the Citi Simplicity Card, which offers 0% intro APR for 21 months on balance transfers. However, this card has a higher regular balance transfer rate of 18.49% - 29.24% (Variable).

Here's a comparison of some popular credit cards that offer 0% intro APR on balance transfers:

Ultimately, the best credit card for you will depend on your individual needs and financial situation. Be sure to compare the fees and terms of different cards before making a decision.