USAA Rate Advantage Visa® Platinum Credit Card is a personal credit card from USAA. Application typically pulls a hard report from Experian. The annual fee is $0; no foreign transaction fees.. The ongoing APR is 10.40% - 24.40% variable after a 0% intro APR on balance transfers and convenience checks through the May 2028 billing cycle (must post by January 31, 2027); 5% fee introductory rate. Approval typically requires a credit score of Good (670+) or higher. Rewards: None. This card is designed for low-cost financing, not earning perks.. This product reports activity to your personal credit report. Ideal for long-term interest-free debt consolidation or finance-heavy purchases—especially for USAA members looking for low ongoing APRs. Important Note on 0% Purchase APR USAA does not offer 0% introductory APR on new purchases for any of its cards. The Rate Advantage Visa Platinum is the only card. BT Fee: 5% of each transfer (applies to cash advances and convenience checks as well).. Post-intro APR: 11.15% – 25.15% variable, depending on creditworthiness.