USAA Rate Advantage Visa® Platinum Credit Card

Save with our lower-rate credit card.

SPECIAL OFFER

Good news! There is an offer on this card.

Apply now with a USAA Rate Advantage Visa® Platinum Credit Card Join now for a USAA Rate Advantage Visa® Platinum Credit Card

Our Lowest Rate

Pay less in interest if you carry a balance from month to month
The same variable regular APR on purchases, balance transfers and cash advances

Rates Note: View the USAA Rate Advantage Visa Platinum^{See note®} Card Rates and Fees.

11.65% to 25.65%

Fees

No Annual Fee
No Foreign Transaction Fees
Balance Transfer and Cash Advance fee is 5% of each transaction amount.^{See note3}

View Rates and Fees

Important information: If you transfer a balance or write a convenience check to take advantage of the introductory rate offer, you will immediately incur interest on purchases until you pay your balance in full, including any transferred balances.^{See note2}

Benefits and Features

Carry a credit card that's easy to use and manage, with peace of mind built in.

Security and Protection

Rely on us — from secure logons to zero liability for unauthorized transactions.^{See note4}
Set up a variety of alerts on your mobile device to stay informed.
Report a lost or stolen card online or in the app.

Travel Benefits^{See note5}

Auto Rental Coverage
Travel Accident Insurance
Trip Cancellation and Interruption Coverage
Baggage Delay and Reimbursement

Support and Service

Access USAA customer service 24/7 online.
Take advantage of extended warranty protection on U.S. manufacturers' warranties.^{See note5}
Add your card to your phone for fast mobile payments or checkouts.

Still searching for the right card?

We offer a full range of credit cards to meet your needs.

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Best For:

Those who like the stability of cash rewards and flexibility to spend it on whatever they want.

Learn more About the Preferred Cash Rewards Visa Signature® Card

USAA Rewards™ Visa Signature® Credit Card

Best For:

Those who want to maximize the value of their points on gift cards, merchandise and more.

Learn more

Available With:

Note 1 After the Introductory period, your Regular APR will apply to these Introductory balances and any new transactions. If you transfer a balance or write a Convenience Check after 90 days from Account opening, we may still honor the Balance Transfer or Convenience Check, but you will not receive the Introductory APR. Instead, the Regular APR will apply. Your Regular APR will apply to Purchases and Cash Advances immediately upon account opening. Your Regular APR will vary with the market based on the Prime Rate. There is a transaction fee of 5% of the amount of each Balance Transfer, Convenience Check and Cash Advance from Account opening. The Cash Advance fee is waived when you transfer funds electronically from your USAA credit card to your USAA Bank deposit account.

Note 2 If you transfer a balance, write a Convenience Check, or take a Cash Advance, we will charge you interest on all new and outstanding Purchases (unless you have an introductory or promotional 0% APR on Purchases) until you pay your entire balance in full, including the amount of any Balance Transfer, Convenience Check or Cash Advance. After that, you will have a grace period on Purchases when you pay your entire statement balance each month by the payment due date.

Note 3 There is a transaction fee of 5% of the amount of each Balance Transfer, Convenience Check and Cash Advance. The Cash Advance fee is waived when you transfer funds electronically from your USAA credit card to your USAA Bank deposit account.

Note 4 Zero liability policy: You are not liable for unauthorized use that is reported to us. Unauthorized use means the use of a credit card by someone other than you who does not have actual, implied or apparent authority for such use and from which you do not receive a direct or indirect benefit.

Note 5 Certain terms, conditions and exclusions apply. Please refer to the Credit Card Benefits Guide for further details.

All credit cards subject to approval.

If you apply for a USAA Visa Signature® Credit Card and are approved for a credit limit less than $3,000 you'll automatically be issued a USAA Visa® Platinum Credit Card with the same terms and fees. This is not applicable to the USAA Eagle Navigator™ Visa Signature® Credit Card.

Apple Pay^® is a registered trademark of Apple Inc.

Google Pay is a trademark of Google LLC.

Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.

The Contactless Indicator and Contactless Symbol are trademarks owned by and used with permission of EMVCo, LLC.

Visa is a registered trademark of Visa International Service Association and used under license.

American Express is a federally registered service mark of American Express and is used by USAA Federal Savings Bank as the credit card issuer pursuant to a license.

Membership eligibility and product restrictions apply and are subject to change.

"USAA Bank" means USAA Federal Savings Bank.

Bank products offered by USAA Federal Savings Bank, Member FDIC. Credit card, mortgage and other lending products not FDIC-insured.

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USAA Rate Advantage Visa® Platinum Credit Card

SPECIAL OFFER

Variable APR Rates

Penalty APRs

Balance Transfer and Cash Advance Fee