USAA Rate Advantage

The Rate Advantage is built around its ongoing interest rate rather than any rewards program: the regular APR runs from 10.4% to 24.4%, and the bottom of that range is unusually low for a card with no annual fee. That makes it the rare card that is genuinely defensible to carry a balance on if your rate lands near the low end, which is the opposite of how most cards work. There is also a 0% intro APR on balance transfers through the March 2028 billing cycle for transfers posting by November 30, 2026, though the 5% transfer fee means you need to do the math before moving a large balance. The catch is total: this card earns nothing, no cash back, no points, no signup bonus. It does at least skip foreign transaction fees, so it travels without a surcharge. Think of it as a debt-management tool, not a card you spend on.