The USAA® Rate Advantage Visa Platinum® Card has an annual fee of $0, it doesn't charge foreign transaction fees, and while there is a balance transfer fee, it's in line with what you would find on other cards.
You'll need at least a good credit score of 640 or higher to prequalify for USAA's credit card options. Like other providers, the cards that USAA offers you during prequalification comes down to the credit score of the card versus your financial and credit history.
The USAA credit card interest rate is 11.4% - 27.40% annually, depending on your creditworthiness, in most cases. Some USAA credit cards have interest rates as low as 8.4%, though.
Specifically designed as a no-frills credit card, the USAA Rate Advantage Visa Platinum Card does not earn rewards but offers a low interest rate instead. The credit card applies the same APR to purchases, balance transfers and cash advances. There is a $0 annual fee for the USAA Rate Advantage Visa Platinum Card.
Re: Can anyone join USAA??
The only products a non-military member can't get is auto & home insurance. Also, you can apply for a credit card with them but, it can't be their secured card because it's a pilot program and it's only given to military members but, you can apply for their regular unsecured credit cards.
Best USAA Cards
Currently, the USAA Rate Advantage Visa Platinum Card will likely be the easiest card to be approved for since it doesn't offer rewards and it advertises a low APR rate.
Since the highest interest rate on USAA personal loans is 17.65% and USAA accepts applicants with bad credit, they may be a cheaper option than many other lenders. ... People looking to consolidate large amounts of debt may also want to consider USAA, which offers loan amounts as high as $20,000.
And if you have bad credit, USAA's secured credit cards are your only options.
A good APR for a credit card is 14% and below. That's roughly the average APR among credit card offers for people with excellent credit. And a great APR for a credit card is 0%. The right 0% credit card could help you avoid interest entirely on big-ticket purchases or reduce the cost of existing debt.
Annual fee: The USAA Rewards Visa Signature Card has an annual fee of $0.
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