Chase vs USAA
USAA BALANCE-TRANSFER pays 10.40% APR vs. Chase BALANCE-TRANSFER's 18.24%. USAA BALANCE-TRANSFER wins on rate; Chase BALANCE-TRANSFER carries a stronger brand reputation.
Option A
Chase
18.24%
APR
- Min
- $0
- Fee
- $0/mo
Best for: Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
Open with Chase →Option B
USAA
10.40%
APR
- Min
- $0
- Fee
- $0/mo
Best for: 0% Intro Offer- Enjoy 0% Intro APR for 21 months on purchases and balance transfers, then a variable APR of 18.24% - 28.24% thereafter
Open with USAA →How this comparison was built
Rates and fees are pulled from each provider's published rate disclosures and reviewed by our product data pipeline. The verdict above is generated from the verified data — we don't accept payments to influence rankings. Last refreshed 9/6/2026.