USAA Rate Advantage

The Rate Advantage is built around low borrowing costs: a regular APR starting at 10.4% (up to 24.4%) and 0% intro APR on balance transfers through the March 2028 billing cycle for transfers posting by November 30, 2026. That combination makes it a reasonable choice if you need time to pay down existing debt and expect to carry some balance afterward. The real catch is the 5% balance transfer fee, which adds meaningful upfront cost to any transfer, and the deadline means you need to move quickly to get the full window. The card earns no rewards, so there is little reason to use it for everyday purchases once your balance is paid. No annual fee and no foreign transaction fees are welcome extras.