{"id":180553,"date":"2024-12-14T15:00:52","date_gmt":"2024-12-14T15:00:52","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=180553\/"},"modified":"2026-04-08T14:06:42","modified_gmt":"2026-04-08T14:06:42","slug":"usaa-rate-advantage-card","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/usaa-rate-advantage-card\/","title":{"rendered":"USAA Rate Advantage Credit Card Review: 0% Intro APR Offer, No Annual Fee"},"content":{"rendered":"<p>USAA members have several credit card options to choose from, including the <a data-ccid=\"5048347\" href=\"\/blog\/link\/CR-USAARateAdvantageCreditCard\" rel=\"noopener nofollow sponsored\">USAA Rate Advantage Credit Card<\/a>. This card sets itself apart from other USAA cards because of the potentially low variable interest rate offered. However, it is only available to USAA members and is only open to a select demographic of consumers.<\/p>\n<p>This card has other great perks, including a intro APR for 15 months on balance transfers, then 10.40% to 24.40% variable regular APR. Here's everything you need to know about the USAA Rate Advantage Credit Card.<\/p>\n<div class=\"qs-card\" data-id=\"5048347\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">USAA Rate Advantage Credit Card<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/96\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/CardArt-USAARateAdvantageCreditCard.png\" width=\"150\" alt=\"USAA Rate Advantage Credit Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-how-apply\" data-ccid=\"5048347\" href=\"\/blog\/link\/CR-USAARateAdvantageCreditCard\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"5048347\" href=\"https:\/\/www.usaa.com\/banking\/credit-cards-public\/low-interest\/rate-advantage\/rates-and-fees\/\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong> 0% intro APR for 15 months on balance transfers, then 10.40% to 24.40% variable regular APR<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">USAA Rate Advantage Credit Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong> 0% intro APR for 15 months on balance transfers, then 10.40% to 24.40% variable regular APR<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The USAA Rate Advantage Credit Card offers great APRs, making it ideal for those seeking to minimize interest charges. With no annual fee, this card is a great option for military members and their families who prioritize low-interest rates over rewards. Enjoy additional benefits tailored to the unique needs of military life.<\/div><div class=\"qs-tab-hl\"><ul><li>Must be a USAA<sup>\u00ae<\/sup> member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.<\/li><li>Intro Offer: Get a 0% intro APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening. After this time, the variable regular APR of 10.40% to 24.40% will apply to introductory balances.<\/li><li>A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies. If you transfer a balance or write a convenience check to take advantage of the introductory rate offer, you will immediately incur interest on purchases until you pay your balance in full, including any transferred balances.<\/li><li>No annual fee.<\/li><li>No foreign transaction fees.<\/li><li>10.40% to 24.40% variable regular APR.<\/li><li>See Rates and Fees for details.<\/li><\/ul><\/div><div class=\"qs-tab-er\">N\/A<\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/USAARateAdvantage\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-10c75861e8#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#USAA_Rate_Advantage_Credit_Card_Pros\">USAA Rate Advantage Credit Card Pros<\/a><\/li><li><a href=\"#USAA_Rate_Advantage_Credit_Card_Cons\">USAA Rate Advantage Credit Card Cons<\/a><\/li><li><a href=\"#USAA_Rate_Advantage_Credit_Card_Welcome_Offer\">USAA Rate Advantage Credit Card Welcome Offer<\/a><\/li><li><a href=\"#USAA_Rate_Advantage_Credit_Card_Benefits\">USAA Rate Advantage Credit Card Benefits<\/a><ul><li><a href=\"#No_annual_fee_or_foreign_transaction_fees\">No annual fee or foreign transaction fees<\/a><\/li><li><a href=\"#0_Intro_APR\">0% Intro APR<\/a><\/li><li><a href=\"#Cell_phone_protection\">Cell phone protection<\/a><\/li><li><a href=\"#Purchase_protections\">Purchase protections<\/a><\/li><li><a href=\"#Travel_benefits\">Travel benefits<\/a><\/li><\/ul><\/li><li><a href=\"#No_Rewards_With_the_USAA_Rate_Advantage_Credit_Card\">No Rewards With the USAA Rate Advantage Credit Card<\/a><\/li><li><a href=\"#Application_Restrictions\">Application Restrictions<\/a><\/li><li><a href=\"#Cards_That_Compete_With_the_USAA_Rate_Advantage_Credit_Card\">Cards That Compete With the USAA Rate Advantage Credit Card<\/a><\/li><li><a href=\"#Bottom_Line\">Bottom Line<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"USAA_Rate_Advantage_Credit_Card_Pros\">USAA Rate Advantage Credit Card Pros<\/span><\/h2>\n<ul>\n<li>Low APR after introductory 0% APR offer<\/li>\n<li>No annual fee<\/li>\n<li>No foreign transaction fee<\/li>\n<\/ul>\n<h2><span id=\"USAA_Rate_Advantage_Credit_Card_Cons\">USAA Rate Advantage Credit Card Cons<\/span><\/h2>\n<ul>\n<li>5% fee on balance transfers, convenience checks, and cash advances<\/li>\n<li>Does not earn rewards points or cash back<\/li>\n<li>This card is only available to USAA members<\/li>\n<\/ul>\n<h2><span id=\"USAA_Rate_Advantage_Credit_Card_Welcome_Offer\">USAA Rate Advantage Credit Card Welcome Offer<\/span><\/h2>\n<p>Instead of a traditional welcome offer of points or cash back, the <a data-ccid=\"5048347\" href=\"\/blog\/link\/CR-USAARateAdvantageCreditCard\" rel=\"noopener nofollow sponsored\">USAA Rate Advantage Credit Card<\/a> offers a 0% intro APR for 15 months on balance transfers, then 10.40% to 24.40% variable regular APR. Note that balance transfers will still be subject to a balance transfer fee of 5% of the transaction amount.<\/p>\n<figure id=\"attachment_131606\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-131606 lazyload\" title=\"Get auto collision damage waiver with the USAA Rate Advantage Card\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Alex-Jumper-Unsplash-couple-driving-rental-car-featured.png\" alt=\"A couple drives a car with the roof open on a country highway\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Alex-Jumper-Unsplash-couple-driving-rental-car-featured.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Alex-Jumper-Unsplash-couple-driving-rental-car-featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Alex-Jumper-Unsplash-couple-driving-rental-car-featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Alex-Jumper-Unsplash-couple-driving-rental-car-featured-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Alex Jumper\/Unsplash<\/em><\/enter><\/figure>\n<h2><span id=\"USAA_Rate_Advantage_Credit_Card_Benefits\">USAA Rate Advantage Credit Card Benefits<\/span><\/h2>\n<h3><span id=\"No_annual_fee_or_foreign_transaction_fees\">No annual fee or foreign transaction fees<\/span><\/h3>\n<p>USAA doesn't charge an annual fee on the <a data-ccid=\"5048347\" href=\"\/blog\/link\/CR-USAARateAdvantageCreditCard\" rel=\"noopener nofollow sponsored\">USAA Rate Advantage Card<\/a>. Additionally, there is also no foreign transaction fee.<\/p>\n<p>However, that doesn't mean this card is a no-fee card. The card charges a 5% fee for balance transfers and cash advances.<\/p>\n<h3><span id=\"0_Intro_APR\">0% Intro APR<\/span><\/h3>\n<p>The card has an introductory offer of 0% APR on balance transfers for the first 15 months after account opening. After that, the variable interest rate will be 10.40% to 24.40%.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/0-apr-credit-cards-with-no-annual-fee\/\" rel=\"noopener\">The 7 Best Credit Cards With No Annual Fee and 0% Introductory APR<\/a><\/strong><\/p>\n<h3><span id=\"Cell_phone_protection\">Cell phone protection<\/span><\/h3>\n<p>Get reimbursed up to $500 if your cell phone is stolen or damaged when you use your card to pay your monthly cell phone bill.<\/p>\n<h3><span id=\"Purchase_protections\">Purchase protections<\/span><\/h3>\n<p>There's no liability for unauthorized purchases made with your <a data-ccid=\"5048347\" href=\"\/blog\/link\/CR-USAARateAdvantageCreditCard\" rel=\"noopener nofollow sponsored\">USAA Rate Advantage Card<\/a>. You can also set up mobile alerts in case of fraudulent transactions and report your card lost or stolen both online and in the mobile app.<\/p>\n<p>This card also extends the U.S. manufacturer's warranty up to an additional year on items purchased with the card.<\/p>\n<figure id=\"attachment_166054\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-166054 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Cam-Morin-Unsplash-woman-shopping-in-a-small-clothing-store-featured.png\" alt=\"a woman browsing clothes on the rack at a store\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Cam-Morin-Unsplash-woman-shopping-in-a-small-clothing-store-featured.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Cam-Morin-Unsplash-woman-shopping-in-a-small-clothing-store-featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Cam-Morin-Unsplash-woman-shopping-in-a-small-clothing-store-featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Cam-Morin-Unsplash-woman-shopping-in-a-small-clothing-store-featured-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Cam Morin\/Unsplash<\/em><\/enter><\/figure>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/purchase-protection\/\" rel=\"noopener\">The Best Credit Cards for Purchase Protection<\/a><\/strong><\/p>\n<h3><span id=\"Travel_benefits\">Travel benefits<\/span><\/h3>\n<p>Cardholders will have access to a few travel benefits, including:<\/p>\n<ul>\n<li><strong>Auto rental collision damage waiver worldwide on car rentals.<\/strong> Coverage is secondary in your country of residence and only valid on rentals of up to 31 days.<\/li>\n<li><strong>Trip cancellation or interruption insurance.<\/strong> You're covered for up to $1,500 per covered person. This is available for non-refundable prepaid passenger fares and only when you use your card to purchase your ticket.<\/li>\n<li><strong>Reimbursements for baggage delays.<\/strong> You're covered up to $100 a day for up to three days.<\/li>\n<li><strong>24\/7 access to the benefits center.<\/strong> This benefit covers medical and legal referrals, prescription assistance, travel planning, and more, worldwide. Though, you'll be on the hook for services rendered.<\/li>\n<\/ul>\n<h2><span id=\"No_Rewards_With_the_USAA_Rate_Advantage_Credit_Card\">No Rewards With the USAA Rate Advantage Credit Card<\/span><\/h2>\n<p>Unfortunately, the USAA Rate Advantage Credit Card does not earn any form of rewards or cash back. If you're looking for a card that does, check out the alternatives below.<\/p>\n<h2><span id=\"Application_Restrictions\">Application Restrictions<\/span><\/h2>\n<p>You must be a USAA member to apply for any USAA credit card. Only the following people qualify for an account with USAA:<\/p>\n<ul>\n<li>Active and veteran members of the U.S. military<\/li>\n<li>Their spouses, children, and grandchildren<\/li>\n<li>Pre-commissioned officers are eligible to join USAA<\/li>\n<\/ul>\n<p>If you're unsure if you qualify to become a member of USAA, <a target=\"_blank\" href=\"https:\/\/www.usaa.com\/join\/get-started\/?product=join-now&wa_ref=mem_welcome_join_usaa_top\" rel=\"noopener\">learn more about membership here<\/a>.<\/p>\n<figure id=\"attachment_174284\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-174284 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/Featured_Military-dad-and-daughter.jpeg\" alt=\"Happy little girl having fun with her military father while playing clapping hands game at home.\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/Featured_Military-dad-and-daughter.jpeg 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/Featured_Military-dad-and-daughter-300x240.jpeg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/Featured_Military-dad-and-daughter-768x614.jpeg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/Featured_Military-dad-and-daughter-325x260.jpeg 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Drazen\/Adobe Stock<\/em><\/enter><\/figure>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/rewards-card-application-rules\/\" rel=\"noopener\">Understanding Rewards Credit Card Applications and Restrictions<\/a><\/strong><\/p>\n<h2><span id=\"Cards_That_Compete_With_the_USAA_Rate_Advantage_Credit_Card\">Cards That Compete With the USAA Rate Advantage Credit Card<\/span><\/h2>\n<ul>\n<li><strong>If you prefer to earn points with your USAA credit card<\/strong>, then consider the <strong>USAA Rewards\u2122 Visa Signature<sup>\u00ae<\/sup> Credit Card<\/strong>. This card earns 2X on dining and at gas stations, and 1X on all other purchases. Rewards can be redeemed through the USAA Rewards Center for travel, gift cards at select merchants, merchandise, and charitable contributions. Better yet, there is no annual fee.<\/li>\n<li><strong>If you want a USAA credit card that earns cash back<\/strong>, then the <a data-ccid=\"5048348\" href=\"\/blog\/link\/CR-USAAPreferredCashRewardsCreditCard\" rel=\"noopener nofollow sponsored\">Preferred Cash Rewards Credit Card<\/a> might be the card for you. The card earns an unlimited 1.5% cash back on all purchases and no category restrictions. Cardholders can also look forward to a $200 auto deductible reimbursement after a covered loss when they use the card to make eight purchases in the prior calendar month \u2014 all for no annual fee. Learn more in our <a target=\"_blank\" href=\"\/credit-cards\/cash-back\/usaa-preferred-cash-rewards\/\" rel=\"noopener\">full Preferred Cash Rewards review<\/a>.<\/li>\n<li><strong>If you're looking for a card that earns transferrable<\/strong>\u00a0<strong>points<\/strong>, check out the <a data-ccid=\"2061159\" href=\"\/blog\/link\/ChaseSapphirePreferredCard\" rel=\"noopener nofollow sponsored\">Chase Sapphire Preferred<sup>\u00ae<\/sup> Card<\/a>  (<a data-ccid=\"2061159\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005147&type=3&subid=0fa8bbb4ccf4e990f496e0fcdacc1bc20&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>). With an annual fee of just $95, you'll earn 5x on travel purchased through Chase Travel\u2120, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases Lastly, the Sapphire Preferred also features a $50 annual Chase Travel Hotel Credit to be used in the Chase Travel\u2120 portal. For more details, check out our <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-sapphire-preferred\/\" rel=\"noopener\">full Sapphire Preferred review<\/a>.<\/li>\n<\/ul>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/best-no-annual-fee-cards\/\" rel=\"noopener\">Credit Cards That Earn Transferable Points With No Annual Fee<\/a><\/strong><\/p>\n<h2><span id=\"Bottom_Line\">Bottom Line<\/span><\/h2>\n<p>The <a data-ccid=\"5048347\" href=\"\/blog\/link\/CR-USAARateAdvantageCreditCard\" rel=\"noopener nofollow sponsored\">USAA Rate Advantage Credit Card<\/a> is a great credit card for USAA members looking to take advantage of low interest rates. The introductory 0% APR for 15 months on balance transfers is also a utilitarian welcome offer.<\/p>\n<p>Unfortunately, the card doesn't come with any\u00a0reward\u00a0point categories or cash-back multipliers. Therefore, if you're looking for a card with those added perks, this isn't the card for you. But if you're more interested in the low intro APR, possible balance transfer, and low APR after the intro time period, the USAA Rate Advantage Credit Card is worth considering.<\/p>\n<div class=\"qs-card\" data-id=\"5048347\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">USAA Rate Advantage Credit Card<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/96\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/CardArt-USAARateAdvantageCreditCard.png\" width=\"150\" alt=\"USAA Rate Advantage Credit Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-how-apply\" data-ccid=\"5048347\" href=\"\/blog\/link\/CR-USAARateAdvantageCreditCard\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"5048347\" href=\"https:\/\/www.usaa.com\/banking\/credit-cards-public\/low-interest\/rate-advantage\/rates-and-fees\/\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong> 0% intro APR for 15 months on balance transfers, then 10.40% to 24.40% variable regular APR<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">USAA Rate Advantage Credit Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong> 0% intro APR for 15 months on balance transfers, then 10.40% to 24.40% variable regular APR<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The USAA Rate Advantage Credit Card offers great APRs, making it ideal for those seeking to minimize interest charges. With no annual fee, this card is a great option for military members and their families who prioritize low-interest rates over rewards. Enjoy additional benefits tailored to the unique needs of military life.<\/div><div class=\"qs-tab-hl\"><ul><li>Must be a USAA<sup>\u00ae<\/sup> member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.<\/li><li>Intro Offer: Get a 0% intro APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening. After this time, the variable regular APR of 10.40% to 24.40% will apply to introductory balances.<\/li><li>A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies. If you transfer a balance or write a convenience check to take advantage of the introductory rate offer, you will immediately incur interest on purchases until you pay your balance in full, including any transferred balances.<\/li><li>No annual fee.<\/li><li>No foreign transaction fees.<\/li><li>10.40% to 24.40% variable regular APR.<\/li><li>See Rates and Fees for details.<\/li><\/ul><\/div><div class=\"qs-tab-er\">N\/A<\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/USAARateAdvantage\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-10c75861e8#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n","protected":false},"excerpt":{"rendered":"<p>The USAA Rate Advantage Credit Card is a great credit card for USAA members looking to take advantage of low interest rates, but doesn&#8217;t offer rewards. This review can help you decide if it&#8217;s worth applying for.<\/p>\n","protected":false},"author":76,"featured_media":180813,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12620],"coauthors":[36406],"class_list":["post-180553","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-reviews"],"acf":[],"yoast_head":"<title>USAA Rate Advantage Credit Card Review - AwardWallet Blog<\/title>\n<meta name=\"description\" content=\"The USAA Rate Advantage Card offers 0% intro APR for the first 15 months on balance transfers and convenience checks. Here&#039;s all the details.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/awardwallet.com\/credit-cards\/usaa-rate-advantage-card\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"USAA Rate Advantage Credit Card Review: 0% Intro APR Offer, No Annual Fee\" \/>\n<meta property=\"og:description\" content=\"The USAA Rate Advantage Card offers 0% intro APR for the first 15 months on balance transfers and convenience checks. 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