USAA Rate Advantage Visa Platinum Card vs Chase Sapphire Reserve

Side-by-side comparison of USAA Rate Advantage Visa Platinum Card and Chase Sapphire Reserve. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	USAA Rate Advantage Visa Platinum Card	Chase Sapphire Reserve
Issuer	USAA	Chase
Network	Visa	Visa
Card Material	Plastic	Metal
Annual Fee	$0.00	$795.00
Base Rate	0.00%	1.00%
Travel Rewards	0.00x	3.00x
Auth. User Fee	$0.00	$75.00
Foreign Txn Fee	0%	0%
Lifecycle	Available	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	0.0% (base)	1.0% (base)
Hotels	0.0% (base)	10.0%
Airline	0.0% (base)	5.0%
Restaurants	0.0% (base)	3.0%
Travel	0.0% (base)	3.0%
Lyft	0.0% (base)	5.0%
Anniversary Bonus	None	None
Portal Boost	1x	1.5x

Benefits & Partners

Transfer Partners	None	14 partners
Annual Credits	None	None

Transfer Partners

—

1:1

Pricing Details

Purchase APR	12.15% - 29.15%	12.74% - 21.24%
Cash Advance APR	29.15%	21.74%
Penalty APR	32.4%	23.24%
Late Fee	$35	$40
Balance Transfer Fee	undefined% (min $0)	undefined% (min $0)

Insurance & Protections

Auto Rental	Secondary	✓
Baggage Delay	—	✓
Baggage Loss	—	✓
Cell Phone Protection	—	—
Extended Warranty	—	✓
Purchase Protection	—	120 days
Return Protection	—	—
Roadside Dispatch	—	Pay-per-use
Trip Cancellation Interruption	—	✓
Trip Delay	—	✓
Tsa Precheck Global Entry	—	✓

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Standard	Standard