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USAA Rate Advantage Visa® Platinum Credit Card — Full Review [2025]

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Jarrod West
Edited by: Michael Y. Park

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USAA Rate Advantage Visa® Platinum Credit Card
Terms Apply / Rates & Fees

USAA Rate Advantage Visa® Platinum Credit Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon2.5
Apply Now(at USAA's secure site. Must be a USAA member, or become a member, to apply.)
  • Low intro APR for 15 months

  • $0

  • 11.15% to 25.15% variable regular APR

  • Good to Excellent (670-850)

USAA Rate Advantage Visa® Platinum Credit Card

The USAA Rate Advantage Credit Card offers no annual fee, a 0% intro APR, along with solid travel and purchase protections.

U.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon2.5
Apply Now(at USAA's secure site. Must be a USAA member, or become a member, to apply.)

Summary

The USAA Rate Advantage Credit Card is a good option for USAA members who are looking for a $0-annual-fee credit card with a 0% intro APR offer.

Card Details

Card Snapshot

Welcome Bonus & 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 11.15% to 25.15% will apply to introductory balances.
  • A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies. 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.
  • No annual fee.
  • No foreign transaction fees.
  • 11.15% to 25.15% variable regular APR.
  • See Rates and Fees for details.

Pros & Cons

Pros

  • 0% Intro APR for 15 months on balance transfers and convenience checks that post to your account within 90 days of account opening, then a variable regular APR of 11.15% to 25.15% applies.
  • $0 annual fee
  • Baggage delay reimbursement
  • Auto rental collision damage waiver
  • Cell phone protection
  • Purchase security and extended warranty protection
  • Trip cancellation and travel accident insurance

Cons

  • Does not earn rewards
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Great Card If

  • You’re a USAA member.
  • You want a 0% Intro APR for 15 months on balance transfers and convenience checks that post to your account within 90 days of account opening, then a variable regular APR of 11.15% to 25.15% applies. (rates & fees).
  • You want a card with $0 annual fees (rates & fees) and no foreign transaction fees (rates & fees).
  • You need travel protections.

Don’t Get If

  • You want a card that earns travel rewards or cash-back rewards.
  • You’d prefer a card that comes with a welcome bonus offer.

USAA Rate Advantage Credit Card: Is It Worth It?

The USAA Rate Advantage Credit Card is a good option for USAA members who are in the market for a credit card with a $0 annual fee and a 0% intro APR for 15 months on balance transfers and convenience checks.

This APR offer allows you to move existing debt from another credit card to your USAA Rate Advantage Credit Card to help you pay it off faster, thanks to the 0% interest period, or finance a new large purchase with your card while giving yourself 15 months to pay it off without interest accruing in the interim.

USAA Rate Advantage Credit Card Top Benefits

Here is a full look at all of the benefits you receive from the USAA Rate Advantage Credit Card:

  • Auto rental collision damage waiver: When you book your rental car with your card and decline the rental company’s auto coverage, you receive USAA auto rental coverage worldwide on rental periods up to 31 days. In your country of residence, this coverage is secondary to any other insurance or coverage available to you.
  • Baggage delay reimbursement: If your checked baggage is delayed by 4 or more hours, you can be reimbursed up to $100 a day, for up to 3 days, toward essentials such as clothing or toiletries.
  • Cell phone protection: When you charge your monthly cell phone bill to your card, you can be reimbursed up to $500 if your cell phone is stolen or damaged.
  • Extended warranty protection: Extend the U.S. manufacturer’s warranty of 3 years or less on items purchased with your card by an additional year.
  • Purchase security: When you pay for new items with your card, they are covered against theft or damage for the first 90 days from the date of purchase for up to $1,000 per claim and $10,000 per cardholder.
  • Travel accident insurance: When you purchase your ticket for air travel, ferry, cruise ship, train, or bus transportation with your card, you can receive coverage for loss of life or limb for up to $500,000.
  • Travel and emergency assistance service: If you experience a covered illness or emergency while traveling, you can receive medical and legal referrals, prescription assistance, travel planning, and other services.
  • Trip cancellation and interruption: You can receive coverage of up to $1,500 per person for nonrefundable prepaid passenger fares when your travel is interrupted or canceled for a covered reason.

Alternative Cards to the USAA Rate Advantage Credit Card

Wells Fargo Reflect® Card

If you’re in the market for a 0% intro APR credit card, then the Wells Fargo Reflect card is compelling, thanks to its massive 0% introductory APR offer. The card offers a 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, then a variable APR of 17.24%, 23.74%, or 28.99% (rates & fees). This gives you 6 more months of an introductory APR period than the USAA Rate Advantage Credit Card. Plus, the card has a $0 annual fee (rates & fees) and comes with benefits like cell phone protection.

Chase Freedom Unlimited®

The Freedom Unlimited card should definitely be on your shortlist of potential credit cards to add to your wallet.

Not only does it match the 15-month 0% intro APR offer of the USAA Rate Advantage Credit Card, it also earns rewards for all your daily purchases. With it, you earn 5% back on travel purchases through Chase Travel, 5% back on Lyft rides (through September 30, 2027), 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

And it still comes with great perks like auto rental coverage, trip cancellation insurance, purchase protection, and extended warranty protection, and has a $0 annual fee.

Frequently Asked Questions

Is the USAA Rate Advantage Credit Card a good card?

If you’re a USAA member who is looking for a credit card that offers a 0% introductory APR offer and some helpful card protections without charging an annual fee, then the USAA Rate Advantage Credit Card would be a good card to consider.

Does the USAA Rate Advantage Credit Card earn rewards?

No, the USAA Rate Advantage Credit Card does not earn any sort of rewards for the purchases you make with the card. If that is important to you, there are other credit cards on the market to consider that offer a 0% intro APR offer, earn either cash-back or travel rewards, and still do not charge an annual fee.

What are the benefits of the USAA Rate Advantage Credit Card?

While the USAA Rate Advantage Credit Card does not earn any rewards for your purchases, it does come with some solid benefits and protections, like a 0% introductory APR offer, cell phone protection, baggage delay reimbursement, rental car insurance, purchase protection, extended warranty protection, trip cancellation insurance, travel accident insurance, and $0 annual fees.

Does the USAA Rate Advantage Credit Card have an annual fee?

No, the USAA Rate Advantage Credit Card has a $0 annual fee.

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About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 8 years. He earns and redeems over 1 million points per year, and his work has been featured in outlets like The New York Times.

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