You can apply for the USAA Rate Advantage MasterCard and manage debt easier. With no annual fee and a low variable APR, you can reduce the amount of interest you pay. There are also benefits to help all year long. Use online and mobile apps, receive free travel benefits and more.
The Rate Advantage credit card is all about low fees. This includes interest rates as well as all of the other fees commonly associated with credit cards. There is a low variable APR that is based upon credit score. The same APR is given for purchases, cash advances and purchases, allowing you to always remember what your APR is.
You will not pay an annual fee for the card. You also won't be charged any kind of penalty rates or over the credit line fees, allowing you to save more of your hard earned money.
Regardless of where you travel, you can use the card. This includes overseas, online and even over the phone. This means you can fill up at the pump, go grocery shopping or make purchases anywhere you want. With a low interest rate, you can choose to make smaller payments throughout the year or avoid interest charges altogether and pay the statement balance off in full each month.
Travel And Retail Benefits
There are many different travel and retail benefits to enjoy with the card. These come complimentary as part of being a cardholder.
When you rent a car, you can avoid paying extra for the rental car company's added insurance. Instead, if you book the reservation with your credit card, it is provided for you. You will automatically get collision damage coverage, protecting you in the event of a car accident.
When you make purchases with your credit card, the purchases are covered with an extended warranty. Up to an additional 12 months of warranty will be covered on many of your major purchases. When a retailer offers you an extended warranty for additional money, you can pass it up because of automatically being covered with the credit card.
As a MasterCard holder, you can enjoy various benefits just for being a cardholder. You don't have to sign up for the benefits or pay extra for them. They are here for you to use at your convenience.
- Customer service
- Online account tools
- Mobile app
- Fraud protection
Customer service is around to answer questions, help clarify statements and increase your credit line. Any time you have an inquiry, you can reach out to them. Customer service operates around the clock to fit your schedule. You can send them an email and get a response within 48 hours. For more urgent matters, you can also talk to a live representative by calling the toll free customer service number located on your credit card.
There are many account tools online. With a secure username and password, you can log on for account access. Here you can find your statements, view balances and learn what your available credit is. You can choose paperless statements and receive emails about when your new statement is available online. From there, you can download it to your computer. For added convenience, you can also pay your bill online and schedule the payment, avoiding being late. You never have to write a check or use a stamp again.
A mobile app is also provided for your phone. Whether you have an iPhone or an Android, you can download the app to give you account access on the go. You can view your balance, check what your available credit is and even make your bill payment using your phone. With an easy way to access account details, you can avoid going over your credit line or getting into situations where you can't afford to make your minimum payment.
Fraud protection is also provided on the MasterCard. Continuous monitoring goes on behind the scenes to make sure your personal information isn't falling into the wrong hands. If your card is ever hacked into, you won't be held responsible for the charges.
You don't have to spend a fortune when it comes to credit cards. The MasterCard by USAA provides you with a simple way to save your money and enjoy many different benefits. The online application will take just minutes to tell you if you are approved.