How to Get a USAA Rate Advantage Visa Platinum Card


If you’re looking for a card that can offer you a super low APR, then you might want to check out the USAA Rate Advantage Visa Platinum Card. You can get an APR as low as 8.54% if you qualify. But on the flipside, many cards offer you free APR for a period of a year or more after you sign up, the USAA Rate Advantage Visa does not. Perhaps it is because they figure their interest rates are low already.

Of course if if you are someone looking to transfer over balances or just enjoy a respite from interest rates for a term, their low APR isn’t going to help you. There are thousands of cards out on the market for you to investigate and so that’s why it is best that you really and truly know what you are after before you even think of applying to a card. Knowing what needs you have will better help you find a card that can help you.


You need your credit card as much as they need you as a customer so you should be selective about which company you choose. Our editors have explored the advantages as well as the financial burdens associated with this card. You can read all about them below and then make a decision on whether or not this card is right for you.



What are the Benefits of a USAA Rate Advantage Visa Platinum Card?

Military administration individuals and their families can appreciate this low-APR credit card. Users of the card can get an even lower APR on the entire balances for a specific time frame in case of a permanent station change or time of deployment. Furthermore, all cardholders benefit from insurance, shopping, and identity-assurance benefits.

Military administration individuals benefit from the fixed 4% interest rate for one year on all balances during station change or upon deployment. Likewise, if you have a pending balance when venturing into active duty, you get a dropped rate to 4% fixed on that sum for one year after the ending of your active duty.

Contingent upon your creditworthiness, you’ll get an APR of 8.54% – 26.15% variable. The rate applies to cash advances, balance transfers, and purchases.  You can utilize your card outside the US without accumulating any extra charges, and there’s no standard annual fee, either. There’s no penalty APR, and your APR won’t go up due to lateness or payment failed.

Add your card to your cell phone and simplify your installments utilizing Apple Pay, Samsung Pay, and Google Pay. If you lease an automobile using your card for 15 or less back to back days, you can get rental vehicle protection covering physical harm and robbery.

These are just some of the many great benefits of this credit card. To learn how you could begin enjoying this card, read on to find out if you qualify.

What are the Fees Associated with the USAA Rate Advantage Visa Platinum Card?

You might get a low APR on this USAA Visa card, but there are other fees you need to watch out for. If you are late on your payments you will see a nice chunk of change added to your invoice. Below we have compiled a list of common fees you need to know about before deciding on whether or not you want to apply for this card.

  • No Annual Fee
  • Regular Annual Percentage Rate (APR) for Purchases, Balance Transfers, and Cash Advances: 9.15% to 26.15% based on your creditworthiness and other factors.
  • Cash Advance Fee: 3% of the money advance sum
  • Late Payment Fee: Up to $35
  • Foreign Transaction Fees: $0

The USAA Rate Advantage Visa Platinum Card provides prolonged warranty protection, price protection, special merits to military individuals, and identity theft resolution services. If you and your family are searching for a low-APR credit card with no yearly expense, the USAA Rate Platinum Card might be an ideal option. But check whether there are other superior cards by checking their low-interest rates and comparing their options. You can check out your eligibility and how to apply below if you think this card is right for you.


USAA Rate Advantage Credit Card

How to Apply for a USAA Rate Advantage Visa Platinum Card

To apply for the USAA Rate Platinum Card, you should be an individual from the military, a veteran who was respectably discharged, or a qualified relative of the military workforce. You should likewise be a US native or perpetual occupant and a minimum of 18 years of age. 

In your application structure, you should give your complete name and residential location, birth date and marital status, contact data, and verification of work and revenue. To apply, go to the USAA website and find the USAA Rate Platinum Card. After you sign in to your account, fill out the application structure, survey your application, and then submit.

If successful in your application, you’ll receive a credit limit based on your situation and creditworthiness.

How to Contact USAA

Head office

10750 McDermott Freeway,

San Antonio, TX 78288

Telephone: 1-210-531-USAA (8722) or 800-531-USAA (8722). If you’re calling from abroad, click here.

Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information.