USAA Rate Advantage Platinum MasterCard®


  • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.
  • No annual fee: And avoid fine-print fees - no over-the-limit fees or penalty rates, so you keep more money in your pocket.
  • Variable rates starting at 6.9% on purchases, balance transfers and cash advances. It's the same low rate for all transactions.
  • Free Travel and Retail Benefits: Get benefits like Rental Car Collision Damage Coverage and Extended Warranty coverage on your purchases.
  • Making your busy life simpler: Our online and mobile tools help you manage your account anytime, anywhere.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Credit Rating
N/A N/A 6.90%-23.90% (Variable) $0

Specific Information

Annual Fee $0
Balance Transfer Fee See Terms*
Balance Transfer Intro Period N/A
Balance Transfer Intro APR N/A
Cash Advance Fee See Terms*
Foreign Currency Exchange Fee See Terms*
Issuer USAA Savings
Perks Apply for the USAA Rate Advantage MasterCard® by filling out a secure online application.
APR 6.90%-23.90% (Variable)
Purchase Intro APR Period N/A
Purchase Intro APR Rate N/A


The USAA Rate Advantage MasterCard® is a low-interest credit card by USAA Savings Bank, that saves you money with no annual fee, a low APR and a range of card benefits. This card makes your busy life easier by giving you a convenient website to manage your account at home or on the go.

Lowest APR Offer. Now you can make purchases, cash advances and balance transfers – all starting at a low monthly rate at 6.9%. It's the same low variable rate for all transaction types.

Platinum Benefits. USAA gives you benefits just for being a cardholder. The offer includes card benefits like Rental Car Collision Damage Coverage and Extended Warranty coverage on your purchases. Other benefits include MasterCard global services, roadside assistance, and travel services.

No Annual Fee. Avoid all those little fees that add up. USAA vows to not charge over-the-limit fees or penalty rates – that way your pockets will always be full If you are shopping for a credit card that gives you a simple credit card that saves you money with a low rate and no annual fee – choose the USAA Rate Advantage MasterCard®!!