Great Card If
- You’re a USAA member
- You want to take advantage of 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 11.40% to 25.40% will apply to introductory balances (rates & fees)
- You’ll use your card internationally
- You don’t want to pay an annual fee (rates & fees)
- You want travel protections
Don’t Get If
- You want to earn rewards
- You carry a balance on your card
- You’d like to earn a welcome bonus
What Benefits Do You Get With the USAA Rate Advantage Credit Card?
The USAA Rate Advantage Credit Card is only available to USAA members. If you’re eligible for the card, it may be worth looking into.
While it doesn’t earn rewards, there are quite a few benefits associated with this card, including some limited travel benefits. These tend to be reserved for cards that charge an annual fee, so it’s nice to see travel benefits on a card that costs nothing to hold.
- Rental car coverage
- Travel accident insurance
- Trip cancellation and interruption coverage
- Baggage delay reimbursement
- No foreign transaction fees (rates & fees)
Other protections on the card include cell phone insurance (up to $500), 90-day purchase security, and an extended warranty on items you purchase.
Refer to the Credit Card Benefits Guide for the most up-to-date information on all benefits and protections.
Alternative Cards to the USAA Rate Advantage Credit Card
The USAA Rate Advantage Credit Card may be a good option for you if you’re planning to travel or need a 0% APR balance transfer, but there are other options that may be more suitable. This is especially true if you’d like to earn rewards.
The Capital One VentureOne Rewards Credit Card, for example, is also a no-annual-fee credit card that offers travel protections (rates & fees).
Although it charges a higher minimum interest rate, it also earns rewards on your purchases. This includes 1.25x Capital One Miles per dollar spent on all purchases, plus 5 miles per dollar spent on hotels and rental cars booked via the Capital One travel portal.
USAA Rate Advantage Credit Card — Should You Get This Card?
While not everyone will love this card, it does offer some benefits and has no annual fee. This means it won’t be a drain on your finances but will still offer you protections when traveling and shopping.
