USAA Rate Advantage Credit Card
USAA Rate Advantage Credit Card Review
Credit cards don't get much simpler than this. There's no fancy rewards program, but cardholders could potentially save a lot of money with the extremely low interest rates offered on this card.
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
USAA Rate Advantage Credit Card
SIGN-UP BONUS
N/A
REWARDS RATE
N/A
Intro BT APR
0% intro APR for 15 months on balance transfers, then 12.15% to 27.15% variable regular APR
Eligibility
Must be a USAA member, or become a member, to apply.
Rates & Fees
$0 annual fee, no penalty APR & no foreign transaction fee
Annual Fee
$0
Card Brand
Visa®
Recommended Credit Score
Good/ExcellentHighlights
- Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
- Intro Offer: Get a 0% intro APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening. After this time, the variable regular APR of 12.15% to 27.15% will apply to introductory balances.
- A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies.
- Take advantage of USAA's lowest interest rate card, whether you’re making a purchase or transferring a balance.
- Pay less in interest if you carry a balance from month to month.
- Enjoy the same low variable regular APR on purchases, balance transfers, and cash advances.
- No annual fee.
- No foreign transaction fees.
- See Rates and Fees for details.
Additional Info
None
5% of the amount of each balance transfer and convenience check
Yes
Yes
Yes
No
Yes
No
Yes
No
No
Expert Review
Editor's Overall Rating
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
From the LendingTree editorial team, updated on Apr 22, 2024
The USAA Rate Advantage Credit Card is a great credit card for anyone with credit who is simply looking for a straightforward card with the lowest possible interest rate. Plus, new cardholders can take advantage of 0% intro APR for 15 months on balance transfers, then 12.15% to 27.15% variable regular APR.
There is no specific rewards program with this card, but that's pretty typical with cards that focus on prodiving extra-low interest rates. The USAA Rate Advantage Credit Card does come with a few other helpful perks though such as $0 annual fee, no foreign transaction fees, and no penalty rate. Plus, since it's a Visa card you will have peace of mind knowing that you'll be able to use your card anywhere in the world where Visa is accepted.
The Good
- You'll be hard-pressed to find a card with a lower ongoing APR for purchases, balance transfers, and cash advances. Plus there's no annual fee, no foreign transaction fees and no penalty rate.
The Not So Good
- If you want to earn rewards on your purchases, this card isn't for you.
The Bottom Line
Credit cards don't get much simpler than this. There's no fancy rewards program, but cardholders could potentially save a lot of money with the extremely low interest rates offered on this card.
Editorial Note: This content is not provided by USAA. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by USAA.
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Balance Transfer APR
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