USAA Rate Advantage

The Rate Advantage is built around its interest rate rather than rewards: the regular APR starts at 10.4% and tops out at 24.4%, a lower floor than most general-purpose cards, and there's no annual fee and no foreign transaction fee. If you know you'll occasionally carry a balance, that low end is the entire argument for the card. There's also a 0% intro APR for 20 months on balance transfers that post by November 30, 2026, running through the March 2028 billing cycle, but the 5% transfer fee is steep and should be weighed against the interest you'd actually save. Be clear that this card earns no cash back or points whatsoever, so it does nothing for you outside of the borrowing math. Use it to hold or pay down debt cheaply, and put your everyday spending elsewhere.