USAA Rate Advantage Visa Platinum by USAA: Low APR card. No annual fee. Rates and credits verified from issuer pages.
The USAA Rate Advantage Visa Platinum is USAA's no-annual-fee credit card. The $0/yr annual fee includes a first-year welcome offer. Read first-party 2026-09-14 (in-app Chromium): "No reward bonus; the page's Special Offer is a 0% intro APR on balance transfers through the May 2028 billing cycle. This is a no-rewards card.". Change: DB carried $250 after $1,000; official_page_url was usaa.com/cashrewards. Beyond the welcome bonus, here's what the card actually delivers.
Welcome bonus value (year one): ~$0. Annual statement credits: $0. Minus the $0 annual fee = ~$0 in year-one net value before any spending earn. RewardsGuru rating: 3.6/5 — based on our net-value methodology.
Best fit: someone building a long-term card portfolio without ongoing cost — the card stays open forever, padding average account age. Skip if: you want premium perks (lounge access, large statement credits, elite status); this card has none.
Read first-party 2026-09-14 (in-app Chromium): "No reward bonus; the page's Special Offer is a 0% intro APR on balance transfers through the May 2028 billing cycle. This is a no-rewards card.". Change: DB carried $250 after $1,000; official_page_url was usaa.com/cashrewards.
Yes — there's no annual fee. The card stays open at zero ongoing cost, which makes it a good long-term hold for credit-history length.
Check the card's terms — most premium travel cards waive foreign transaction fees, while no-fee and entry-tier cards usually charge 2-3%. USAA's product page has the current rate.