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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.

Discontinued product

This card has been discontinued, and it is not available on our site. Compare other credit cards or take Finder's credit card quiz to find one that fits your needs.

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

    Compare other USAA credit cards

    Name Product Filter values Rewards Purchase APR Annual fee
    USAA® Rate Advantage Visa Platinum® Card
    N/A
    6.9% to 23.9% variable
    $0
    Enjoy USAA's lowest rate card. Pay no annual fee, no penalty APR and no foreign transaction fee.
    USAA® Rewards™ Visa Signature® Card
    2x points on gas and dining and 1x points on all other purchases
    9.9% to 25.9% variable
    $0
    Get 2,500 bonus points with your first purchase. Pay no annual fee, no penalty APR and no foreign transaction fee.
    USAA® Preferred Cash Rewards Visa Signature® Card
    1.5% cash back on all purchases
    11.9% to 25.9% variable
    $0
    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.
    USAA® Rewards™ American Express® Card
    3x points on dining, 2x points on gas and groceries and 1x points for all other purchases
    9.9% to 25.9% variable
    $0
    Earn 3x points on dining, 2x points on gas and groceries and 1x points for all other purchases.
    USAA® Cashback Rewards Plus American Express® Card
    5% cash back on up to $3,000 in combined annual gas and military base purchases, 2% on up to $3,000 at supermarkets annually and 1% on all other purchases
    11.9% to 25.9% variable
    $0
    Earn 5% cash back on the first $3,000 in gas and military base purchases annually on these categories combined. Earn 2% on the first $3,000 on supermarket purchases per year. Unlimited 1% cash back on all other purchases.
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    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.

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