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USAA Classic Platinum Visa®
Consumer Reviews, Credit Score and Income Needed, Credit Limits

Picture of USAA Classic Platinum Visa®
18 Reviews
Consumer Rating:
star ratingstar ratingstar ratingstar ratingno star rating

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Lowest:
585
Average Score:
635
Highest:
696
All
5 Star
33%
4 Star
44%
3 Star
16%
2 Star
0%
1 Star
5%
1 Star 2 Star 3 Star 4 Star 5 Star
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Credit Score: 696 Credit Limit: 1000 Age: 25-34
Income On Application: $45000
Posted 04/03 2020
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
Working to rebuild, I had a capital one platinum unsecured that i upgraded to Quicksilver, as well as unsecured Discover IT and a credit one card.
Decided to see if a large bank would take a risk on me as its been 1.5 years since ive been building from 515 to now 696- my bank approved me but for the very entry level which I was okay with, seems fine so far.
 
Credit Score: 590 Credit Limit: 1500 Age: 35-44
Posted 01/21 2017
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
My credit took a nose dive due to medical bills. Got a couple of secured cards including the USAA visa. I got my score back up from 400s to about 590 and I am so happy that I finally got an unsecured card. It has an annual fee but in another year or so, I hope to improve my score and get a proper no annual fee card.
 
Credit Score: 597 Credit Limit: 1500 Age: 45-54
Posted 01/21 2017
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
Have been a USAA member for 5 years but have never gotten their credit cards. My score ain't that great and I am basically in a rebuilding mode. EQ score was 597 when I applied and got approved. So far so good. I hope to get their cash back rewards card when my score improves.
 
Credit Score: 652 Credit Limit: 3000 Age: 35-44
Posted 01/21 2017
Overall Rating: star ratingstar ratingstar ratingno star ratingno star rating
My credit limit is $3000. I had to replace my home server. Not long after I put the purchase on the card, my air conditioner broke down and I had to either replace it or have some expensive repairs. I put in a payment for the server even though the billing cycle was not up yet. But what happened next really pissed me off. My payment was put on hold for 7 days. When I called customer service, I was told that they do reserve the right to hold your payments if there is "unusual activity". USAA's customer service is great but if you have any of their cards, I think you have to be aware of this.
 
Credit Score: 634 Credit Limit: 2500 Age: 35-44
Posted 01/21 2017
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
EQ: 634, TU: 625
SLI" $2500

giving this a 4 star because of the annual fee.
 
Credit Score: 630 Credit Limit: 1500 Age: 45-54
Posted 01/21 2017
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
I was in a rebuilding mode but already had a few unsecured cards - Capital One Platinum, Sears, Kohls. I tried applying for the USAA Visa cash rewards. Said that I was not approved but offered me this card instead. So I applied and got approved. The only thing that I am disappointed about is the annual fee.
 
Credit Score: 640 Credit Limit: 2000 Age: 45-54
Posted 01/21 2017
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
Before getting this card, I had the cap one secured and the opensky card. I was looking to make the jump to unsecured. I had been a USAA member for 4 years but never had their cards. So I decided to give this a shot and I got approved.
 
Credit Score: 585 Credit Limit: 1500 Age: 35-44
Posted 01/21 2017
Overall Rating: star ratingstar ratingstar ratingno star ratingno star rating
2 things about this card.

1. There is an annual fee. No ridiculous, but I guess I could do without.
2. When I was in Europe, the chip did not work at train stations.
 
Credit Score: 655 Credit Limit: 3000 Age: 35-44
Posted 01/21 2017
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
Have been a USAA member for 5 years. Have their checking account and insurance. I finally decided to get one of their credit cards because I think their customer service is very good.
 
Credit Score: 660 Credit Limit: 3000 Age: 45-54
Posted 01/21 2017
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
I was alerted to a fraudulent charge that was outside my state. I told USAA that it was not me. They took care of it and I got a new card in a few days. Very impressed.
 
Credit Score: 685 Credit Limit: 3000 Age: 35-44
Posted 01/21 2017
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
Ok- so I have 2 secured cards for the last 18 months. Cap One and a local credit union. Scores have reach high end of 600s. So I decided to app 3 cards at once. USAA Classic Visa, Citi Doublecash and Cap One Platinum. Was approved for all.

USAA - $3000
Citi - $2000
Cap One $2000.
 
Credit Score: 645 Credit Limit: 2000 Age: 25-34
Posted 01/21 2017
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
Have been with USAA for 5 years (I'm active duty). Got their secured credit card for the last 2 years. Canceled it after I got approved for this card. It seems to me that this card is a tier up from the secured card but below the rest of the other reward cards. I've got a $2k limit.
 
Credit Score: 603 Credit Limit: 2000 Age: 35-44
Posted 01/21 2017
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
Applied and got approved for $2000. Score was 603 on EQ which I believe was pulled. This is definitely a rebuilder card. Note that you cannot do balance transfers or get cash advances.
 
Credit Score: 601 Credit Limit: 1000 Age: 35-44
Posted 01/21 2017
Overall Rating: star ratingstar ratingstar ratingno star ratingno star rating
I remembered that when I applied for this card, the website did say that they would consider you for "automatic upgrade to a premium card". It has been a year and when I called them, CSR said that I would have to apply for a new card. Has anyone have any "upgrade" experience?
 
Credit Score: 625 Credit Limit: 1000 Age: 25-34
Posted 01/21 2017
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
Score was 625 when I was approved. CL of $1000. It is a rebuilder card with an annual fee. You cannot do a balance transfer or cash advances but it does not bother me at all. I was recently given an auto CLI to $2000. The website says you can be considered for a "premium credit card" so we'll see how that goes.
 
Credit Score: 643 Credit Limit: 1000 Age: 35-44
Posted 01/21 2017
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
I started of my rebuilding with secured cards. When my scores were in the mid 600s, i decided to app a few unsecured cards. This was one of the cards together with Walmart and Sears. I got $1000 in credit lines. But I got higher for both walmart and sears! And they have no annual fee as well.
 
Credit Score: 645 Credit Limit: 2000 Age: 35-44
Posted 01/20 2017
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
I started rebuilding my credit with the USAA secured Visa. After about 15 months, I decided to try my luck on this card and was approved. My score was about 645 on EQ when I applied and got approved for a $2000 line. Prior to that, my scores were in the high 500s when I got the secured card.
 
Credit Score: 635 Credit Limit: 2500 Age: 25-34
Posted 01/20 2017
Overall Rating: star ratingno star ratingno star ratingno star ratingno star rating
Before I applied for this card, I was denied Sears and JCPenny's cards. Thankfully, USAA approved me with a $2500 SLI. Score was 635 with experian.
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