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The USAA Secured Platinum MasterCard gives you what you want in a secured card. It helps your money actually work for you, while affording you a flexible credit card account. Outside of the rate and the annual fee, this is a card where you call the shots


USAA Secured Card Platinum MasterCard
Intro APR  APR Annual Fee 
N/A* 10.15% (V)* $35*
Unfortunately, we do not currently offer online application for this card. See similar cards

Basic Information

Issuer: USAA Bank
Card Network: MasterCard®
Card Category: Consumer (Secured)
Card Type: - Card for Bad Credit
- Guaranteed Approval
- Instant Decision Card
- Low Interest Credit Card
- Military Credit Card
Credit Needed: Bad Credit OK*

Card Review

Prepared by . Opinions expressed therein are solely those of the reviewer.


The USAA Secured Platinum MasterCard Secured Card is a card that USAA insured individuals and their immediate families can take advantage of. USAA insurance is open to active and inactive military personnel. Because of the exclusive audience, cardholders are able to take advantage of a number of cardholder benefits that are typically associated with unsecured credit cards. In this case, cardholders are able to make their initial security deposit into a 2-Year Variable Rate CD that gains interest over time. The amount that you deposit, which is at least the minimum allowed amount and no more than the maximum allowed amount, is what determines your credit limit. You can add money to your CD at any time and request a credit line increase.

From there, you are able to take advantage of a number of card benefits, such as rental car insurance, purchase assurance coverage against the damage or theft of purchases made with the card, extended warranty protection of retail purchases made with the card, and worldwide automatic travel accident insurance when you buy your plane, train, or bus tickets with your card.

In addition to these benefits, cardholders receive a card that is low in cost. The annual fee is low, the interest rate is low, and the transaction fees are low. Even if there is a late or returned payment, the maximum fee is not charged for the first time in a six billing cycle period. Overall, it is a card that gives its cardholders flexibility and more control.
Card rating:
(3.9 out of 5) total 23 votes
Most attractive features: - Secured card benefits
- No application fee
- Credit Reporting
- MasterCard benefits
Least attractive features: - Annual fee
- No rewards program

Benefits

Other Benefits: - Auto Rental Insurance from MasterRental
- Worldwide Automatic Travel Accident Insurance
- Extended Warranty Protection for retail purchases
- Purchase Assurance Coverage for damage or theft of purchases
*See terms and conditions of the card for additional travel and retail benefits
Online Card Account Access:
100% Guarantee Approval:
Credit Reporting:

Card Finance & Rates

Introductory APR (%): N/A*
Introductory Period: N/A*
Regular APR (%): 10.15%*
APR Type: variable
Annual Fee: $35*
Grace Period: 25 days*
Late Payment Fee: Up to $35*
Over Limit Fee: $0.00*

Balance Transfers

Balance Transfer: See Terms

Other Fees

Opening Minimum: $25.00
Application Fee: $0.00
Additional Fees Foreign Transaction: 1% of each transaction in U.S. dollars
Returned Payment: Up to $35.00

Action

View Other USAA Bank Cards
View Other MasterCard Cards
View Other Consumer Cards
View Other Credit Reporting Cards
View Other Secured Cards
View Other Cards for Bad Credit
View Other Guaranteed Approval
View Other Instant Decision Cards
View Other Low Interest Credit Cards


* The information provided for USAA Secured Card® Platinum MasterCard® is believed to be accurate at the time of evaluation (Apr 21, 2016). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.

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