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USAA® Rate Advantage Visa Platinum® Card review

A low-APR credit card for military personnel and their families.

  • Get this card if you’re affiliated with the military and you want to pay low APR on your balances.
  • Pick something else if you want cash back or an intro APR period.
  • Apply with a good to excellent credit score of 670 or higher.




Annual fee

6.9% to 23.9% variable

Purchase APR


Minimum Credit Score


Annual fee$0
Welcome offerN/A
Purchase APR6.9% to 23.9% variable
Balance transfer APR6.9% to 23.9% variable
Minimum Credit Score670

Review by

Megan Horner is the banking and credit cards Group Publisher at Finder. She's passionate about helping you find the best credit cards and bank accounts to meet your financial needs — whether that's earning great rewards or improving your credit score. Megan's expertise has been spotlighted on Lifehacker,, American Banker and featured on news broadcasts across the country. Before working at Finder, Megan worked at Credit Karma and QuinStreet.

Expert review

Military service members and their family can enjoy this low-APR credit card. Military members can get even lower APR on all balances for a certain period of time during deployment or permanent change of station.

In addition, all cardholders can take advantage of shopping, insurance and identity-protection benefits.

How to apply for the USAA® Rate Advantage Visa Platinum® Card

  1. Go to the USAA website and find theUSAA® Rate Advantage Visa Platinum® Card.
  2. Choose Log on or Get started.
  3. Sign in to your USAA account and fill out the application form.
  4. Review your application and submit.

The perks

  • Special benefits for military service members. Military service members enjoy a fixed 4% interest rate for up to 12 months on all balances during deployment or permanent change of station. Also, if you have a balance when you enter active duty, your rate drops to 4% fixed on that balance until one year after your active duty ends.
  • Relatively low APR. Depending on your creditworthiness, you’ll get an APR of 6.9% to 23.9% variable. This rate applies to purchases, balance transfers and cash advances.
  • No annual fee. There’s no annual fee to keep this card.
  • No foreign transaction fee. Use your card outside of the US without accruing any additional fees.

You’ll also like …

  • No penalty APR. Your APR won’t increase because a payment fails or you’re late.
  • Mobile wallet. Add your card to your smartphone and simplify your payments using Apple Pay, Google Pay or Samsung Pay.
  • Rental car insurance. If you rent a vehicle with your card for 15 or fewer consecutive days you can receive rental vehicle insurance covering physical damage and theft.
  • Shopping benefits with your card. This card includes price protection and extended warranties on products you purchase. You also get Satisfaction Guarantee Coverage, which allows you to refund payment for products up to $250.

What to watch out for

  • No grace period for balance transfers and cash advances. You’ll accrue interest immediately if you take out a cash advance or initiate a balance transfer.
  • No intro APR period. The card doesn’t come with an intro APR period on purchases or balance transfers. But some card members report they received offers for an intro APR period that lasts up to 18 months.
  • Only for members of the military and their family members.
    To qualify for the card, you need to be an active military member, a veteran who was honorably discharged or an eligible military family member.

Compare credit cards for military members

Some credit card providers offer perks for military service members and their families. The best cards with military benefits often have reduced APRs and waived fees. Low APR cards can also be a good choice for military families that carry a balance.

Name Product Welcome Offer Rewards Annual fee Filter values
The Platinum Card® from American Express
100,000 points after spending $6,000 in your first 6 months
5x points on prepaid hotels booked with American Express Travel, 5x points on directly-booked flights on up to $500,000 annually, then 1x points after that and on other eligible purchases
100,000 points after spending $6,000 in your first 6 months. Terms apply, see rates & fees
Chase Sapphire Reserve®
50,000 points after spending $4,000 in the first 3 months, a value of up to $750 through Chase Ultimate Rewards.
5x points on flights and 10x points on hotels and car rentals through Chase Ultimate Rewards, 3x points on other travel after earning your $300 travel credit, 10x points on Lyft rides, 10x points on Chase Dining through Ultimate Rewards, 3x points on other dining and 1x points on all other purchases
Earn a huge signup bonus worth $750 toward travel when redeemed through Chase Ultimate Rewards with Chase’s premier card.
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months.
5x points on travel through Chase Ultimate Rewards, 3x points on dining and 2x points on all other travel purchases
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards.

Compare up to 4 providers

Name Product Purchase APR Balance transfer APR Annual fee Filter values
Blue Cash Preferred® Card from American Express
0% intro for the first 12 months (then 13.99% to 23.99% variable)
$0 intro annual fee for the first year ($95 thereafter)
Earn a $300 statement credit after you spend $3,000 in purchases on your new card within the first 6 months. Having 6 months to earn a welcome offer is a rare benefit as most cards give you only 3. Terms apply, see rates & fees
Blue Cash Everyday® Card from American Express
0% intro for the first 15 months (then 13.99% to 23.99% variable)
Earn a $200 statement credit after spending $2,000 in the first 6 months. This is a higher-than-average welcome offer for a card with no annual fee. Terms apply, see rates & fees
Applied Bank® Secured Visa® Gold Preferred® Credit Card
9.99% fixed
No credit check is required for this secured card. Make a deposit of at least $200 to open this card and get a low 9.99% fixed APR on purchases.

Compare up to 4 providers

What should I know before I apply?

To apply for the card, you must be a member of the military, a veteran who was honorably discharged or an eligible family member of military personnel.

You must also be:

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

In your application form, you must provide your:

  • Full name and residential address.
  • Marital status and birthdate.
  • Contact information.
  • Proof of employment and income.

What credit score do I need?

Your chances of approval increase if you apply with good to excellent credit score of 670 or higher.

USAA® Rate Advantage Visa Platinum® Card reviews and complaints

USAA is not accredited with the Better Business Bureau, but it earns an A- rating from the agency as of October 2020. As of this writing, 92% of its reviews are negative and it has over 1,422 customer complaints.

The company earns a Trustpilot score of 1.4 out of 5 as of October 2020. Many negative reviews cite unsympathetic customer service and difficulty getting fraud claims resolved. Positive reviews say customer service is responsive and the bank’s products have strong features.

I got the card. Now what?

  • Download the USAA Mobile app. Use the app to pay your bills, send money with Zelle, get real-time stock quotes and more.
  • Avoid interest. Your due date is 250 days after the close of each billing cycle. Try to pay your balance when it’s due to avoid paying interest.
  • Customer service. If you have any questions, call 800-531-8722 and a customer service representative will assist you.

Bottom line

If you or your family are affiliated with the military and you’re looking for a low-APR credit card without an annual fee, the USAA® Rate Advantage Visa Platinum® Card could be a good choice.

But if you think there could be a better card for you, check out other low interest rate credit cards and compare your options.

Frequently asked questions

Who’s eligible for USAA membership?

  • Individuals serving in the US Air Force, Army, Coast Guard, Marines or Navy
  • Retired or separated from the US military with an honorable discharge
  • Family members of USAA members
  • Cadets and midshipmen at US service academies

Can I choose the card design?

Yes, you can show your pride with a military affiliate card designs.

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