THE CARDTUNED DATABASE
USAA Rate Advantage Visa Platinum Credit Card
Issuer: USAA · Network: Visa
No rewards; low-rate card
- Annual fee
- $0
- Foreign transaction fee
- $0
- Intro APR
- 0% intro APR for 15 months on qualifying balance transfers and convenience checks posted within 90 days of account opening.
- Regular APR
- 10.40%–24.40% variable regular APR
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
0% intro APR for 15 months on qualifying balance transfers and convenience checks posted within 90 days of account opening.
- Spending requirement
- Qualifying balance transfers and convenience checks
- Time window
- 15 months; transactions must post within 90 days of account opening
Offer last checked: 2026-09-09
Additional benefits
• USAA's lowest-rate public credit card
• 0% intro APR for 15 months on eligible transferred balances
• No foreign transaction fee
• Visa acceptance
Restrictions to know
A 5% fee applies to each balance transfer and convenience check. Purchases are not covered by the introductory APR, and purchase interest may accrue while an introductory transferred balance remains unpaid.
Who can apply
USAA membership and issuer credit approval required.
Credit profile: Good–Excellent