USAA Classic Visa Platinum® review |

Review: USAA Classic Platinum Visa® Credit Card

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Please note: This card has been discontinued, and it is not available on our site.

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Name Product APR (Annual Percentage Rate) for Purchases Annual Fee
11.65% to 21.65% variable
You can get travel benefits (no foreign transaction fees), retail benefits and collision damage waiver coverage on your rental car.
11.65% to 21.65% variable
Get a card that can help you build credit. Determine your own credit limit. When you apply, you'll open a two-year certificate of deposit (CD) with $250 to $5,000. The balance of your CD is your credit limit.
13.65% to 27.65% variable
Earn 1.5% cash back on every purchase with no limits or category restrictions. Pay no annual fee, no penalty APR and no foreign transaction fees.
8.65% to 25.65% variable
This card offers the same low rate for purchases, cash advances and balance transfers.
11.65% to 27.65% variable
You can get cash back (unlimited) on groceries and gas and on most purchases and get car rental insurance as well.
13.65% to 27.65% variable
Earn $150 bonus after you make $500 in purchases within the first 90 days of opening your account.
12.65% to 27.65% variable
Earn 2,500 bonus points credited to your account with your first purchase and then 1 point per $1 spent. No expiration date.
11.65% to 27.65% variable
This card lets members show their support for The American Legion. Earn one point for every dollar spent on your everyday purchases.
12.65% to 27.65% variable
Get 2,500 Bonus Points after your first purchase. Start earning 1 point for every $1 spent. Redeem your points and donate to your favorite military affiliate group.

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The basics

A card catered to people affiliated with the military, the USAA Classic Platinum Visa® cards offers special rates for those in deployment and active military duty. The USAA Classic Platinum Visa® is designed for people with average credit, and will help you improve your credit with consistent on-time payments. You can expect an 18.65% to 24.65% variable APR, and a $35 annual fee to maintain services. The USAA Classic Platinum Visa® also includes a variety of travel, security and retail benefits.

The perks

    • Collision damage waiver coverage. Pays for physical damage and theft to most rental vehicles.
    • No penalty charged on APR. You won’t be penalized for making late or missed payments.
    • Improve your credit. By making on-time and consistent payments, you can improve your credit score, automatically upgrading you to a premium USAA credit card.

    Get valuable rewards with USAA Credit Cards

    You’ll also like…

    • Special 4% SCRA rate. You’ll get 4% APR on your existing balance when you enter active duty.
      • Deployment/PCS Rate. Get 4% APR on all balances for up to 12 months during deployment or PCS. After 12 months, the regular APR, currently between 10.65% to 26.65% variable, will apply. This rate will vary with the market, based on the prime rate.
      • Military Campaign Benefit. You’ll get a rebate on all finance charges accrued while you served in a qualified military campaign.

    What do I need to know before I apply?

    Eligibility criteria

    In order to apply for the USAA Classic Platinum Visa® Credit Card, you must be a member of the military, a veteran who was honorably discharged or an eligible family member of military personnel. You also must be:

    • A US citizen or permanent resident
    • At least 18 years old

    Always consider your options and your financial situation before you apply for a credit card.

    Required documents & information

    • Full name and address
    • Marital status
    • Birthdate
    • Contact information
    • Proof of employment and income

    Bottom line

    If you have average credit, and are looking for a card to help strengthen your credit score, the USAA Classic Platinum Visa® could be the ideal solution. Before choosing this card, be sure to compare it with other options.

    Adrienne Fuller

    Adrienne Fuller leads the publishing team at She has one goal: to deliver the accurate and transparent information she wishes she had when she made some of life's important financial decisions. When she's not helping folks save money, she's hiking with her two Catahoulas around her home in San Diego.

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