USAA RATE ADVANTAGE CREDIT CARD
Save on interest with our
low-rate credit card
0% intro APR for 15 Months
Get a 0% intro APR for 15 months on balance transfers and convenience checks that post to your account within 90 days of account opening, thereafter 11.40% to 25.40% variable regular APR will apply to introductory balances.See note1,2
View rates and fees for more details.*
No annual fee* |
5% transaction fee* |
No foreign transaction fees*
Important information: If you transfer a balance or write a 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 note1
OUR LOW-RATE CREDIT CARD WITH NO ANNUAL FEE
NO ANNUAL FEE*
There's no annual fee and there are no foreign transaction fees.
OUR LOW-RATE CREDIT CARD
With a lower APR, you could pay less in interest if you carry a balance from month to month.
NO PENALTY APR*
Life happens. We understand that. So we don't charge a penalty APR for a late payment.
Membership means more
WHO WE ARE
We wake up every day to serve military members and their families. We understand your unique needs and create financial products made just for you.
USAA offers financial products and services for the military. Our products and services include banking, insurance, investing, and retirement.
USAA membership is open to U.S. military members, veterans and pre-commissioned officers, as well as spouses and children of USAA members.
CREDIT CARD BENEFITS
Travel ProtectionSee note3
USAA has you covered if unexpected issues arise on a trip.
- Auto rental collision damage waiver
- Travel accident insurance
- Trip cancellation and interruption coverage
- Baggage delay reimbursement
Safety & Security
Rely on USAA for peace of mind. We're behind you all the way.
- Zero liability for unauthorized transactionsSee note4
- Report a lost or stolen card online or in the app
- Pay in seconds with a tap of your card at a contactless enabled terminal
Support & Service
Our exceptional service is
available any time you need it.
- Access to USAA customer service 24/7 online
- Extended warranty protectionSee note3
USAA RATE ADVANTAGE FAQ
No. Our products and services are open to current and former military and their spouses. Children of USAA members can join, too. To see if you qualify for USAA membership, view our .
With the USAA Rate Advantage Credit Card, you benefit from:
- No annual fee and no foreign transaction fees.
- Our lowest rate card, you can pay less in interest if you carry a balance from month to month.
- No penalty APRs for late payments.
To view the latest details for the USAA Rate Advantage Credit Card, see .
To view the latest details on APRs for the USAA Rate Advantage Credit Card, visit .
A balance transfer is when you move the amount of money you owe on one credit card to a different credit card, hopefully with a lower interest rate. Reasons to consider a balance transfer are:
- It may help you pay off your balance faster.
- It may help you pay less interest.
- There is a transaction fee of 5% of the amount of each Balance Transfer.
To maximize the value of a balance transfer, transfer your balance to a lower-rate credit card and at the same time, increase your monthly payment as much as you can. Every little bit adds up.
Still searching for the right card?
Find the perfect fit from our full range of credit cards.
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DISCLOSURES
- Not Insured by the FDIC or Any Federal Government Agency
- Not a Deposit or Other Obligation of, or Guaranteed by, the Bank
- Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested
1 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.
2 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.
3 Certain terms, conditions and exclusions apply. Please refer to the Credit Card Benefits Guide for further details.
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.
All credit cards subject to approval.
If you apply for a USAA Visa SignatureSee note® Credit Card and are approved for a credit limit less than $3,000 you'll automatically be issued a USAA VisaSee note® Platinum Credit Card with the same terms and fees.
The Contactless Indicator mark, consisting of four graduating arcs, is a trademark 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.
"USAA Bank" means USAA Federal Savings Bank.
USAA Federal Savings Bank offers deposit, credit card, consumer lending, mortgage, and other banking products and services. USAA Federal Savings Bank is a Member of FDIC. Credit card, mortgage and other lending products not FDIC-insured.
No Department of Defense or government agency endorsement.
USAA is not endorsed with or affiliated with the academy.
Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change. To join USAA, separated military personnel must have received a discharge type of Honorable or General Under Honorable Conditions. Eligible family members may also join USAA.
Property and casualty insurance underwritten by United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, NOBLR Reciprocal Exchange, based in San Antonio, Texas; USAA Limited (UK) and USAA S.A. (Europe) and is available only to persons eligible for property and casualty group membership. Each company has sole financial responsibility for its own products. Coverages subject to the terms and conditions of the policy.
USAA means United Services Automobile Association and its affiliates.
USAA Investment Services Company (ISCO), a registered broker-dealer and a registered investment adviser, provides referral and marketing services on behalf of Charles Schwab & Co., Inc. (Schwab), a dually registered investment adviser and broker-dealer. Schwab compensates ISCO for these services.
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