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$0
Annual fee
6.9% to 23.9%
Purchase APR (variable)
670
Recommended credit score
Review by
Megan Horner is the credit cards publisher at Finder. She's passionate about helping you find the best credit cards to meet your financial needs — whether that's earning great rewards or improving your credit score. Megan's expertise has been spotlighted on Lifehacker, CreditCards.com, American Banker and featured on news broadcasts across the country.
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.
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.
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:
In your application form, you must provide your:
Your chances of approval increase if you apply with good to excellent credit score of 670 or higher.
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.
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.