USAA Rate Advantage Credit Card Rates and Fees Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents. 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 12.15% to 29.15% will apply to introductory balances. A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies. Take advantage of USAA's lowest interest rate card, whether you’re making a purchase or transferring a balance. Pay less in interest if you carry a balance from month to month. Enjoy the same low variable regular APR on purchases, balance transfers, and cash advances. No annual fee. No foreign transaction fees
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