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USAA® Rate Advantage Visa Platinum® Card
Issued by USAA Bank
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Annual Fee
0
Regular APR
8.65% - 25.65% (V)
Additional Information
Balance Transfer Fee
3% (max $200)
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Late Payment Fee
$35
Returned Payment Fee
$35
Cash Advance Rate
8.65% - 25.65% (V)
Cash Advance Fee
3% (max $200)
Foreign Transaction Fee
0
Smart Chip
Yes, chip-and-PIN
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Sign-up Bonus
None
Rewards
No Rewards..
Application Requirements
Minimum credit score
Fair
Minimum Age
18 years of age
How To Apply USAA® Rate Advantage Visa Platinum® Card
- Press the “Apply” button below!
- Complete the application with your personal details and financial details.
- Review and submit your application.
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How To Use USAA® Rate Advantage Visa Platinum® Card
- You can only use the USAA® Rate Advantage Visa Platinum® Card at Store
- You can use the USAA® Rate Advantage Visa Platinum® Card anywhere that Visa/Master is accepted
- Pay your balance on time.
- Avoid unnecessary interest and fees.
- If you have any question, you can contact the credit card's customer service.
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About credits-life
About three-quarters of Americans have at least one credit card,In fact, the average person has 3.4 cards. But whether you have a wallet full of plastic or have never charged a purchase in your life, you should know how to apply for a credit card the right way when the time comes. getting approved for a credit card requires proactive planning that should start long before you apply. That's why credits-life born, we aim to help you to find the right credit card, and then successfully apply a credit card.
How To Apply For A Credit Card
Credit card applications are straightforward, but you'll need to meet some minimum financial requirements to get approved for the best credit card offers. Learn how to apply for a credit online and what to expect after you click submit.
- Knowing your credit score and what's on your credit report can help you determine what products to apply for. If you have fair credit, for example, you may not want to apply for a card that clearly states that only applicants with excellent credit will be approved.
- If you don't have good credit, you may find it difficult to get approved for a card with a large sign-up bonus and a lucrative reward structure. Each credit card application ends up on your credit report, so the Nerds recommend using our credit cards comparison tool to find a card that fits your credit profile before applying.
- If the card allows balance transfers, you may request to have balances transferred from other credit card accounts to the new card.
- To apply for a credit card in the US, you’ll need a valid Social Security number and a positive credit history. The best rewards credit cards may require at least three to five years of good credit history, and some more than seven.
Write A Review
I have a credit score over 750 and my interest rate (APR) that was offered was over 20% and the customer service representatives are only allowed to say, "USAA don't negotiate interest rates". They don't provide any additional information at all. STAY AWAY from this credit card at ALL COST.
"While the actual people I talked were polite, kind and understanding, the USAA system was not. There are many hard coded rules into the system which make little sense and the employees cannot do anything about them.The result, it becomes incredibly hard to get any kind of decent or personal customer service.
"I have a 730 credit score and I received a 15% APR with a $3500 limit. I called USAA and asked about hot to lower my APR and they told me that once you apply for ANY USAA Credit Card you are stuck with that APR for life. Needless to say I cancelled the card and changed my direct deposit right away. I now have the Navy Federal Platinum card with 9% interest rate and 10,500 limit. I can apply for a lower interest rate every year with Navy Federal. DO NOT GET ANY USAA CREDIT CARDS.
"I really hate this card. This credit card is my highest APR card. I have a NFCU Reward card and two CapitalOne reward cards... All of my cards have no annual fee, but this is my highest APR it claims to be a "low rate card" and before this card I had a secured credit card with USAA when I was rebuilding credit that was less then one third of this card's APR. When I got it I have a 750+ credit score on all credit agencies and a low DTI. I only got this card cause I wanted to keep my discount with my insurance.
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