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- Enjoy USAA's lowest rate card
- No annual fee, no foreign transaction fees, no penalty APR
- USAA membership is available to active and former military and their eligible family members
3 out of 5
Our take: The USAA Rate Advantage Visa Platinum Card offers a low APR that is hard to beat, but it lacks a zero percent introductory offer, and the card is not available to the general public.