Snapshot

USAA Rate Advantage Visa Platinum Card
USAA Rate Advantage Visa Platinum Card
 Optima Platinum Card
Optima Platinum Card
IssuerUSAAAmerican Express
NetworkVisaAmerican Express
Card MaterialPlasticPlastic
Annual Fee$0.00$49.00
Base Rate0.00%0.00%
Travel Rewards0.00x0.00x
Auth. User Fee$0.00$0.00
Foreign Txn Fee0%2.7%
LifecycleAvailableActive

Welcome Offer

BonusNoneNone
Spend Requirement——
Timeline——

Rewards Breakdown

Base Rate0.0% (base)0.0% (base)
Anniversary BonusNoneNone
Portal Boost1x1x

Benefits & Partners

Transfer PartnersNoneNone
Annual CreditsNoneNone

Transfer Partners

Pricing Details

Purchase APR12.15% - 29.15%14.99% - 14.99%
Cash Advance APR29.15%28.74%
Penalty APR32.4%29.99%
Late Fee$35$40
Balance Transfer Feeundefined% (min $0)N/A

Insurance & Protections

Auto RentalSecondary—
Baggage Delay——
Baggage Loss——
Cell Phone Protection——
Extended Warranty——
Purchase Protection——
Return Protection——
Trip Cancellation Interruption——
Trip Delay——
Tsa Precheck Global Entry——

Usability & Experience

Digital WalletN/AN/A
Instant Card Number——
Credit BureausN/AN/A

Strategy & Eligibility

Recommended CreditN/AN/A
Application RulesStandardStandard