How to Get a USAA Rate Advantage Visa Platinum Card

Users of the no-frills USAA Rate Advantage Visa Platinum Card will benefit from the low-interest rates, which range from 9.15% – 26.15% variable, depending on your creditworthiness.

The USAA Rate Platinum Card applies the same to cash advances, balance transfers, and purchases.

You may consider applying for this card if you’re associated with the military and you feel you need to cater for the low APR on your balances. Read on to learn more about this card and its features and eligibility requirements.

How to Get a USAA Rate Advantage Visa Platinum Card

Benefits and Features of a USAA Rate Advantage Visa Platinum Card

Military administration individuals and their families can appreciate this low-APR credit card. Users of the card can get an even lower APR on the entire balances for a specific time frame in case of a permanent station change or time of deployment. Furthermore, all cardholders benefit from insurance, shopping, and identity-assurance benefits.


Military administration individuals benefit from the fixed 4% interest rate for one year on all balances during station change or upon deployment. Likewise, if you have a pending balance when venturing into active duty, you get a dropped rate to 4% fixed on that sum for one year after the ending of your active duty.

Contingent upon your creditworthiness, you’ll get an APR of 9.15% – 26.15% variable. The rate applies to cash advances, balance transfers, and purchases.  You can utilize your card outside the US without accumulating any extra charges, and there’s no standard annual fee, either. There’s no penalty APR, and your APR won’t go up due to lateness or payment failed.

Add your card to your cell phone and simplify your installments utilizing Apple Pay, Samsung Pay, and Google Pay. If you lease an automobile using your card for 15 or less back to back days, you can get rental vehicle protection covering physical harm and robbery.

These are just some of the many great benefits of this credit card. To learn how you could begin enjoying this card, read on to find out if you qualify.

Eligibility and How to Apply for a USAA Rate Advantage Visa Platinum Card

To apply for the USAA Rate Platinum Card, you should be an individual from the military, a veteran who was respectably discharged, or a qualified relative of the military workforce. You should likewise be a US native or perpetual occupant and a minimum of 18 years of age.

In your application structure, you should give your complete name and residential location, birth date and marital status, contact data, and verification of work and revenue. To apply, go to the USAA website and find the USAA Rate Platinum Card. After you sign in to your account, fill out the application structure, survey your application, and then submit.

If successful in your application, you’ll receive a credit limit based on your situation and creditworthiness.

USAA Rate Advantage Visa Platinum Card Fees & Charges

  • No Annual Fee
  • Regular Annual Percentage Rate (APR) for Purchases, Balance Transfers and Cash Advances: 9.15% to 26.15% based on your creditworthiness and other factors.
  • Cash Advance Fee – 3% of the money advance sum
  • Late Payment Fee – Up to $35
  • No Foreign Transaction Fees

USAA’s Address & Contac Details

Address: 10750 McDermott Freeway, San Antonio, TX 78288

To get in touch with USAA, call 210-531-USAA (8722) or 800-531-USAA (8722). If you’re calling from abroad, click here.


The USAA Rate Advantage Visa Platinum Card provides prolonged warranty protection, price protection, special merits to military individuals, and identity theft resolution services. If you / your family are searching for a low-APR credit card with no yearly expense, the USAA Rate Platinum Card might be an ideal option. But check whether there are other superior cards by checking their low-interest rates and comparing their options. You can easily begin enjoying the perks by visiting the USAA website today!

Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information.